Lawn Care Insurance
Find out which lawn care insurance coverage you need. Compare policies from leading national insurers. Get a quote in minutes.
Insuring over 1 million small business owners worldwide.
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Why Do I Need Lawn Care Insurance?
As a lawn care pro, you can turn scorched turf into a lush green carpet. But accidents are like weeds — they can take root no matter how much you prepare. And having the right insurance policies can help protect your small business when the inevitable mishaps crop up.
What Insurance Do I Need for a Lawn Mowing Business?
General Liability Insurance
A foundational lawn service liability insurance to help handle costs from third-party accidents, property damage, and bodily injury.
Contractor’s Equipment and Small Tools Insurance
Also known as Business Property and Equipment insurance, this coverage can financially protect equipment and inventory that’s in transport or stored off-site.
Workers’ Comp Insurance
Coverage to help take care of employees who get sick or injured on the job. Most states require this coverage for small businesses with full- or part-time employees. It also can benefit business owners who don’t have employees.
Contractor’s Errors and Omissions Insurance
Coverage for damages and legal costs for mistakes or negligence claims. It also can cover errors that result in unsatisfactory finished work.
What Does Lawn Care Insurance Cover?
From mowing and edging to fertilizing and weeding, lawn care work covers a lot of ground — and so do the risks. Lawn service insurance can help protect your business against unexpected accidents such as these:
Damage to someone else’s property
You’re edging along a customer’s driveway when a small rock flies from your mower and cracks the homeowner’s car window. The client is upset and wants you to pay for a new car window. A general liability policy could help pay for damages that may occur in the normal course of your work.
Care for sick or injured employees
Lawn care can be grueling work. While hauling a heavy bag of mulch, one of your employees throws out their back. Workers’ compensation insurance can help cover medical bills and lost wages as the employee recovers.
This coverage is often legally required and protects your business from costly claims while ensuring your crew gets the care they may need. Even solo lawn care pros should consider workers’ comp, since many health insurance policies won’t cover work-related injuries.
Damaged or stolen equipment
Some days can be extra thorny. Imagine if your trailer lock gets cut on a job site and your mower, trimmer, and blower go missing. A contractor’s equipment and small tools policy could help pay to replace or repair stolen or damaged equipment when you’re on the move – including equipment you own or rent.
Honest mistakes and negligence claims
Even experienced lawn care pros can sometimes make mistakes. What if you accidentally over-fertilize a client’s lawn, and the homeowner demands you replace the damaged grass? An errors and omissions policy could help cover the cost and protect you from claims of negligence
Business Insurance
A one-minute explanation
Learn more about policies for small businesses, what they cover, why you might need them, and how we can help – all in just 60 seconds.
Business insurance is often made up of different types of policies to cover different things, similar to how your health insurance can be made up of medical dental and vision coverage. Here are some of the ones small business owners may need. General liability is kind of the Swiss army knife of insurance, it can do a lot like help handle cost from third party accidents, property damage, bodily injury, and more. Nobody’s perfect right? That’s what professional liability is for. It could come in handy in the event of honest mistakes or claims of negligence. Workers’ comp can protect your business and help take care of employees who get sick or injured on the job. Small businesses are big targets for cyber criminals. Cyber Insurance can help cover costs associated with stolen customer data, cyber attacks, breaches, and fraud. BOP, or a business owners policy, combines different types of coverages like general liability and commercial property insurance. Putting them together for you is where we come in, you tell us a bit about your business online or on the phone, we customize the coverage options for what you do and what you need. It’s your business it should be your insurance as well, that’s why we’re here.
How Much Does Lawn Service Insurance Cost?
Try our Lawn Care Insurance Calculator
Get a quick estimate in just 3 steps.
Answers to More Lawn Business Insurance Questions
Is lawn care insurance required by law?
Most states require you to carry workers’ compensation insurance if you have employees. There also may be licensing requirements that require certain liability coverages. We recommend checking with your state and local governments for lawn mowing insurance requirements.
How much does lawn service insurance cost?
The cost for your insurance coverage is largely determined by the type of work you do, the types of risks you’re exposed to and the number of employees you have.
Some other factors can include where your office is located, the number of years of experience you have, and your annual revenue.
We can help find the coverages and prices online for lawn care insurance in just 10 minutes right here.
What should I consider before buying lawn care insurance?
If you’re thinking about buying lawn business insurance, we recommend having the following information on hand when using our lawn care insurance calculator:
- The state where you do business
- Your type of business or trade
- Your annual revenue estimates
This information can make it easier to get a quote from one of our insurers in under 10 minutes.
Why work with Simply Business?
Small business insurance is what we do. Whether it’s covering you for accidents and errors, meeting workers’ comp requirements, or protecting your shop and your tools and equipment, we can help find the coverage you need for your lawn care business.
We provide customized coverage options and quotes from top-rated small business insurers — all in just 10 minutes. More than 1 million small business owners worldwide trust us with their insurance, and we consistently earn high customer ratings and reviews.
Feel confident about your choice
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More Helpful Information for Lawn Care Businesses
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How to Find the Right Small Business Insurance Policy
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A General Liability Insurance Guide for Small Business
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*Actual savings may vary based on the nature of your business, its location, and insurance provider appetite. Savings percentage is calculated using the average price difference of quotes from SB’s panel of insurance providers.