Lawn Care Business Insurance

Compare multiple quotes from top carriers with one application.

Lawn Care

Or call us at (800) 688-1984

We partner with trusted A-rated insurance companies

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

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

License and permit bonds

License and permit bonds guarantee that a lawn care business will perform the contracted work and adhere to regional regulations. They are a type of surety bond needed for licenses and permits.

BEST FOR

State landscaping licenses
Pesticide permits
Permits for large projects

Looking for different coverage? See more policies.

How much does insurance cost for lawn care and landscaping professionals?

Landscaper calculating costs of medical, auto, and employee expenses.

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

View Costs

How do I get lawn care business insurance?

It’s easy to get lawn care business insurance coverage 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.

What our customers are saying

"I had an urgent contractual requirement for insurance in December to pay before the end of the year. Holly Burton worked with The Hartford to send me an invoice around Christmas. I have saved hundreds in taxes."

Richard C.

Software / internet design

"Raynaldo made quick work of things. I told him what I needed, and ultimately I had a certificate of insurance in a matter of hours."

Michael D.

Programmer

"The response time was almost immediate. The options I was given were based on my company's needs. I received the policy in record time."

Esther L.

Management consultant