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Lawn Care Business Insurance
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Why do lawn care and mowing businesses need insurance?
An illness caused by pesticides, or accidental damage to a client's yard, could sink your small business. The right property and liability coverage helps you stay in business when facing legal fees and financial losses.
Find affordable coverage
Lawn care companies can save money by comparing quotes from top insurers.
Fill out Insureon's easy online application to get free quotes and advice from a licensed insurance agent.
What types of insurance do lawn care businesses need?
These lawn care insurance policies cover common risks of your profession.
General liability insurance
A general liability policy covers lawsuits over accidental injuries and property damage. Bundle it with commercial property insurance for savings in a business owner's policy (BOP).
BEST FOR
- Customer bodily injury
- Damaged customer property
- Libel and slander lawsuits
Business owner's policy
A business owner's policy, or BOP, is a cost-effective way for lawn care businesses to buy general liability coverage and commercial property insurance together.
BEST FOR
- Customer injuries
- Damaged customer property
- Stolen or damaged lawn care equipment
Commercial auto insurance
This insurance covers vehicles owned by a lawn care business. It helps cover legal fees and damages after an accident, along with vehicle theft, weather damage, and vandalism.
BEST FOR
- Car accidents
- Vandalism and theft
- Weather damage
Workers’ compensation insurance
Most states require workers' comp for lawn care businesses that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.
BEST FOR
- Employee medical bills
- Missed wages
- Legal costs
Contractor’s tools and equipment insurance
This insurance policy helps pay for repair or replacement of a lawn care contractor’s lawn mowers, weed whackers, and other tools if they are lost, stolen, or damaged.
BEST FOR
- Equipment less than five years old
- Mobile equipment
- Small tools
Cyber liability insurance
This policy helps lawn care businesses recover financially from data breaches and cyberattacks. It's strongly recommended for any business that handles sensitive information.
BEST FOR
- Customer notification costs
- Data breach investigations
- Fraud monitoring services
Looking for different coverage? See more policies.
How much does insurance cost for lawn care and landscaping professionals?
A small business with a few workers will pay less for insurance than a large company with a dozen employees.
Factors that affect the cost of landscaping insurance include:
- Services offered, such as lawn mowing or gardening
- Business equipment and property
- Business revenue
- Types of small business insurance purchased
- Policy limits and deductibles
How do I get lawn care business insurance?
It’s easy to get lawn care business insurance coverage and license/permit bonds if you have your company information on hand. Our insurance application will ask for basic facts about your business, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:
- Complete a free online application
- Compare insurance quotes and choose policies
- Pay for your policy and download a certificate
Insureon's licensed agents work with top-rated U.S. insurers to find coverage that fits your lawn care business, whether you work independently or hire employees.
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