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.
Business Owners Policy (BOP) for Lawn Care Businesses
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.
General Liability Insurance for Lawn Care Businesses
Running a lawn care business exposes you to risks such as property damage, bodily injury, and legal claims. General Liability Insurance protects your business from these potential financial setbacks, covering medical costs, repair expenses, and legal fees if an accident occurs on a client’s property. For example, if a client trips over your equipment or if landscaping work accidentally damages a fence or garden, this insurance ensures your business is protected.
Lawn care professionals often work on both residential and commercial properties, where clients may require proof of insurance before hiring. Having general liability coverage not only satisfies this requirement but also demonstrates professionalism, helping attract new clients and maintain long-term relationships. It acts as a safety net, allowing you to focus on delivering quality services without worrying about unforeseen accidents.
Workers’ Compensation Insurance for Lawn Care Businesses
Lawn care work involves physical labor, equipment use, and exposure to outdoor elements, which can increase the risk of employee injuries. Workers’ Compensation Insurance provides coverage for medical expenses, rehabilitation, and lost wages if an employee is injured on the job. This ensures that staff are cared for and the business avoids costly lawsuits or penalties.
In California, workers’ compensation is mandatory for businesses with employees, making it an essential legal requirement. For lawn care businesses, compliance protects both the company and its workforce, promoting a safer work environment. Employees are reassured that they will receive proper treatment and wage replacement if injuries occur, which helps with retention and productivity.
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
