Lawn Care Business Insurance
Running a lawn care or landscaping business is rewarding—but it also comes with risks. A mower can damage a client’s property, a crew member could get injured on the job, or expensive equipment might get stolen.
That’s where lawn care business insurance comes in. The right coverage keeps your business protected from unexpected costs, so you can focus on keeping lawns green and customers happy.
Why Lawn Care Businesses Need Insurance
Whether you’re starting a lawn care business or already managing multiple crews, every job carries risk—from property damage to employee injury.
- What if a rock from your mower cracks a client’s window?
- What if an employee suffers heat exhaustion on the job?
- What if your trailer with equipment is stolen overnight?
Without proper coverage, these incidents can lead to financial loss. With insurance for lawn care business owners, you’ll have peace of mind knowing accidents and damages are covered.
Core Coverages Every Lawn Care Company Should Consider
General Liability Insurance for Lawn Care Business
This is the foundation of your protection. It covers third-party injuries and property damage. If a client trips over your equipment or a mower damages a customer’s fence, general liability insurance for lawn care business helps cover medical bills, repair costs, and even legal fees.
Workers’ Compensation Insurance
If you have employees, most states require workers’ comp—and following OSHA safety standards is key to reducing accidents on the job. It covers medical expenses and lost wages when an employee is injured while working, like lifting heavy equipment or handling sharp tools.
Commercial Property Insurance
This protects your office, storage building, and the valuable equipment kept inside from fire, theft, or storms.
Commercial Auto Insurance
Your trucks and trailers are the lifeline of your business. Commercial auto insurance covers accidents, liability, and damage to the vehicles you rely on every day.
Coverage for Lawn Mowing Businesses
If mowing is your main service, specialized coverage ensures you’re protected. You can also learn from landscaping industry resources that highlight safety and operational best practices.
- Lawn mowing business insurance covers day-to-day mowing operations.
- Business insurance for lawn mowing protects against property damage or injuries caused while cutting grass.
- Lawn mowing insurance extends coverage to your employees, equipment, and customer claims.
- Insurance for lawn mowing business is often required for commercial contracts, especially with larger property managers.
Specialized Add-On Coverages for Lawn Care and Landscaping
- Tools & Equipment Coverage – protects mowers, blowers, trimmers, and chainsaws from theft or damage.
- Inland Marine Coverage – covers equipment while being transported between jobs.
- Umbrella Insurance – adds an extra layer of liability coverage if a lawsuit exceeds your standard policy.
- Pesticide & Herbicide Application Coverage – protects against claims of lawn or garden damage caused by chemical use.
- Workmanship Coverage – covers accidental damage while performing services, like harming a client’s landscaping or hardscaping.
How Much Does Lawn Care Business Insurance Cost?
The cost of lawn care business insurance depends on several factors:
- Size of your business and number of employees
- Types of services you provide (mowing, tree trimming, chemical spraying, irrigation)
- Value of equipment and property
- Claims history and coverage limits
On average, lawn care business insurance cost can range from a few hundred to several thousand dollars annually. The good news? A tailored plan ensures you only pay for the coverage you actually need.
Who Needs Lawn Care Insurance?
This type of insurance isn’t just for mowing companies. It’s ideal for:
- Lawn care and landscaping contractors
- Tree trimming and removal businesses
- Irrigation and sprinkler installers
- Hardscaping and outdoor design professionals
If you work outdoors and provide lawn or landscape services, you need coverage.
Why Choose Prolines Insurance Agency?
At Prolines Insurance Agency, we know the lawn care industry inside out. We don’t believe in one-size-fits-all policies. Instead, we design coverage that matches your unique business needs.
When you work with us, you get:
- Customized coverage for lawn mowing and landscaping risks
- Competitive pricing from top insurance carriers
- Expert guidance on state requirements and client contracts
- Fast quotes and responsive customer support
Don’t wait for an accident to show you what you’re missing. Contact us today for a free lawn care business insurance quote and protect your company from the ground up.
Q1. How much does lawn care business insurance cost?
The cost of lawn care insurance depends on your services, number of employees, and equipment value. Small mowing businesses may pay a few hundred dollars annually, while larger landscaping companies could pay more.
Q2. Do I need general liability insurance for a lawn care business?
Yes. General liability insurance protects against third-party injuries and property damage—two of the most common risks in lawn care and landscaping.
Q3. Is lawn mowing business insurance different from landscaping insurance?
They’re similar, but lawn mowing insurance focuses on mowing operations, while landscaping insurance often includes tree trimming, irrigation, and design services.
Q4. Does lawn care insurance cover equipment theft or damage?
Standard liability policies don’t, but you can add tools and equipment coverage to protect mowers, blowers, and trimmers from theft or accidental damage.
Q5. Who needs lawn care liability insurance?
Any business providing mowing, landscaping, or lawn care services should carry liability insurance. It’s often required for commercial contracts.
