Tailored Lawn Care Insurance in California and Nationwide
Whether you operate a solo lawn mowing business or manage a full-service lawn care crew, having lawn care insurance in California and across the U.S. is essential. Property damage, equipment theft, or customer injuries can happen anytime — and without the right coverage, your business may be exposed to major financial risks.
We help lawn care professionals protect their operations with customized policies that meet both state requirements and client expectations. From basic general liability insurance to full coverage options, we design plans that reflect the real-world risks you face. Learn more here.
Why Lawn Care Businesses Need Specific Insurance Coverage
Lawn care companies deal with a unique set of hazards — power tools, sharp equipment, employee injuries, and third-party property damage. If a mower kicks up a rock and cracks a window or a client trips on your tools, your business could be liable. Having the right landscape insurance coverage is not just smart; in some cases, it’s required.
Our team offers insurance plans that align with the types of services you offer and the equipment you use. For example, if you apply fertilizers or herbicides, your policy needs to include pollution liability. If you hire workers, you may also need workers’ comp and possibly a Business Owner’s Policy (BOP) for complete protection. See BOP options here.
Key Lawn Care Insurance Coverages We Offer
Every lawn care operation is different, which is why we build coverage around your business model. Here are some of the most important types of insurance we provide for lawn care professionals:
General Liability Insurance to protect against third-party bodily injury or property damage. Read more
Equipment and Tool Coverage to replace stolen or damaged machinery like mowers, trimmers, and trailers.
Commercial Auto Insurance for trucks, trailers, and ride-on equipment you transport between job sites.
Umbrella Insurance for added liability protection beyond your standard policies. Explore more
Surety Bonds to meet client or contract requirements, especially for public or commercial projects. Get bonded here
No matter the size of your business, we make sure you’re protected in all the ways that count. Start building your policy here.
Frequently Asked Questions
1. Do I need lawn care insurance if I work solo or part-time?
Yes. Even part-time lawn care work comes with risks — property damage, customer injury, or equipment loss can still happen. Coverage helps protect your income and reputation.
2. What’s typically covered under lawn care general liability insurance?
General liability usually covers third-party bodily injury, property damage, and related legal costs if you’re found liable during a job. Learn more here
3. Is a Business Owner’s Policy (BOP) necessary for lawn care services?
A BOP is highly recommended if you operate from a physical location or need bundled coverage for liability and property damage. It’s often more cost-effective. Explore BOP options
4. What if my equipment is stolen from my truck or trailer?
We offer equipment protection that can cover theft, loss, or damage to tools like mowers, leaf blowers, or trimmers — on and off the job site.
5. Do I need insurance to bid on lawn care contracts?
Yes. Many clients require surety bonds or proof of liability coverage before awarding contracts. Check your bonding options here
We partner with top-rated insurance carriers
