General Liability
Review protection for covered third-party injury and property damage claims at customer properties and other work locations.
Protection for your lawn care operation
Lawn Care Business Insurance
You keep your customers’ lawns looking their best. Explore insurance for the people, equipment, vehicles, and everyday risks behind your lawn care business.
Healthy Lawns.
A Stronger Foundation for Your Business.
Every lawn care visit brings equipment, people, and customer property together. A damaged window, stolen mower, employee injury, or road accident can interrupt your schedule and create unexpected costs. Build your insurance around the services you provide and the resources you depend on.
Coverage for the work you do
What Is Lawn Care Business Insurance?
Lawn care business insurance is a combination of policies selected to address your company’s particular risks. It is not one standard policy that automatically covers every part of your operation.
Your insurance needs depend on whether you work alone or employ a crew, use business vehicles, own or rent equipment, and provide routine maintenance or specialist treatments. Residential and commercial contracts can also bring different insurance requirements.
Whether you mow and edge lawns, aerate soil, overseed, remove leaves, or apply treatments, describe every service when requesting coverage. An accurate picture helps your provider review suitable options and identify potential gaps.
Explore Lawn Care Coverage
Build protection around your operation
What Lawn Care Insurance Can Include
Depending on your business and the policies purchased, coverage options may include:
- General liability: Helps protect against covered third-party bodily injury and property damage claims arising from your lawn care operations.
- Workers’ compensation: Provides benefits to eligible employees after covered work-related injuries or illnesses.
- Tools and equipment coverage: Helps address qualifying loss or damage to insured mowers, trimmers, blowers, and other equipment.
- Commercial auto: Provides selected liability and physical damage protection for insured vehicles used in your business.
- Property and business income: Helps protect insured premises and contents, with qualifying income protection following covered property damage where included.
Chemical applications, pollution, trailers, rented machinery, and additional liability limits require separate review. Coverage is not automatically included simply because a policy is described as lawn care insurance.
Discuss Your Coverage
Coverage that grows with your business
From Your First Lawn to a Full Maintenance Route
A solo operator and a business running several crews have different insurance needs. Review your protection when you hire employees, add vehicles, purchase equipment, or begin working at larger commercial properties.
Include seasonal services and work performed by subcontractors. Fertilizer, pesticide, and herbicide applications should be discussed specifically, along with tree work, irrigation repairs, landscaping installation, and snow removal if you provide them.
For a quote, prepare your service descriptions, revenue, payroll, equipment values, vehicle information, and claims history. Share customer contracts and insurance requirements so your provider can compare them with the proposed coverage.
Request Your QuoteExplore Coverage for Your Lawn Care Business
Consider protection for the everyday risks your team, equipment, and customer properties bring together.
Workers’ Compensation
Support eligible crew members after covered injuries or illnesses connected with their work.
Tools & Equipment
Explore coverage for insured lawn care equipment in storage, in transit, and at jobsites.
Commercial Auto
Review coverage for the trucks and vehicles your business uses to travel between lawn care appointments.
Business Owner’s Policy
Explore a package combining liability, property, and business income protection for eligible businesses.
Applicator Liability
Discuss specific protection for qualifying claims arising from pesticide and herbicide application services.
Lawn Care Business Insurance FAQs
What insurance should a lawn care business consider?
Common options include general liability, tools and equipment, commercial auto, and workers’ compensation. Property, business income, trailer, and applicator coverage may also be relevant. The right combination depends on your services, workforce, assets, and contracts.
Do I need insurance if I work alone?
Working alone does not remove your exposure to customer injury claims, property damage, equipment theft, or vehicle accidents. Review your business activities and customer requirements. Any legal obligations depend on your location and circumstances.
Can insurance cover a window broken by a mower?
A claim alleging accidental damage to a customer’s window may fall under general liability, depending on the circumstances and policy exclusions. Coverage is assessed against the actual facts and wording, rather than guaranteed by the type of incident alone.
Are stolen mowers and tools covered?
Theft may be covered under an appropriate tools and equipment policy. Insured values, locations, security conditions, deductibles, and exclusions can affect payment. Confirm how equipment is covered in your vehicle, trailer, storage area, and at customer properties.
Does lawn care insurance include mechanical breakdown?
Not automatically. Standard tools and equipment policies commonly exclude mechanical breakdown, wear and tear, and routine maintenance. Mobile machinery may need specialized breakdown protection, where available.
Are weed control and pesticide treatments covered?
These services require specific review. General liability may restrict chemical application and pollution claims. Applicator liability or pollution coverage may be needed. Disclose the products, methods, and treatment services you provide.
Does commercial auto insurance cover my trailer and its contents?
Trailer liability, physical damage to the trailer, and protection for its contents are separate considerations. Your trailer may need to be listed, while mowers and tools may require equipment coverage. Review the entire truck-and-trailer setup.
Can I get proof of insurance for a commercial contract?
Ask your provider about a certificate for your active coverage. Share requests for specific limits, additional insured status, or other contract terms before agreeing to them. A certificate alone does not change the policy.
Should I cancel my coverage during the off-season?
Review the decision with your provider before cancelling. Equipment, stored property, completed work, and contractual responsibilities can create exposure outside your busiest months. Seasonal changes may affect the appropriate coverage arrangement.
How much does lawn care business insurance cost?
Pricing depends on your services, revenue, payroll, location, equipment values, vehicles, and claims history. Coverage limits, deductibles, and specialist activities also affect your quote. Compare the protection provided as well as the premium.
Care for Their Lawns.
Protect What You Are Building.
Explore lawn care insurance that reflects your services, your equipment, and the people behind every completed job.
Get a Lawn Care Insurance Quote
Coverage is subject to policy terms, limits,
deductibles, exclusions, eligibility, availability,
and applicable state requirements. Examples
do not guarantee coverage for a particular claim.