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Lawn care liability insurance

Insurance for lawn care & lawn mowing businesses

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Quick & easy

Flexible payments

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Lawn care liability insurance

Insurance for lawn care & lawn mowing businesses

Get my quote

Quick & easy

Flexible payments

Friendly advisors

Choose your cover, protect your business
General liabilityinsurance
From $37.13a month
Protection against accidental damage to someone else’s property, injury to a third party and related costs, legal defense costs even if the lawsuit is groundless and more...

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Insurance for lawn care & lawn mowing businesses

It’s all about taking care, isn’t it? As a lawn care contractor, you spend much of your time looking after your clients on their turf.

But what if your mower kicks up a stone and it smashes a window? Or you’re trimming and accidentally nick the A/C line?

You could end up with a claim against you. Hiring a lawyer costs. A lot. And then there’s the compensation, if you’re liable.

Lawn care insurance can take care of these costs for you, including medical bills, legal fees, and damages too. Without it, you’ll have to foot the bill. Ouch.

  • Who needs lawn care insurance?

    All kinds of lawn care businesses need insurance, from one-man bands to larger companies with several employees.

    What’s more important is the type of lawn care you do and the risk those activities carry. Especially if you carry out services like lawn mowing, trimming, weeding, and irrigation

    If your company does more complex tasks, you may need more coverage. A landscaping insurance policy will allow you to add on extras like snow blowing and removal.

  • Why do I need insurance for my lawn care business?

    As in any other business, reputation is everything. Yet careful as you are, accidents happen and need to be dealt with – quickly.

    Say one of your crew accidentally breaks a client’s sprinkler system or damages their neighbor’s fence? Or a passer-by trips over your power cable and hurts themselves? You could end up facing a lawsuit.

    Even if you’ve been wrongfully charged and the claim is groundless – you’ll still have to defend yourself.

    Or you can let your lawn care insurance take care of it. Saving you thousands of dollars in legal fees and damages, and many sleepless nights.

  • Does landscaping insurance cover my equipment and tools?

    Lawn care liability insurance alone can’t cover claims for damage to your property. To protect it, you’ll need to add on tools and equipment insurance.

    It’s worth it. Your lawn care tools are more likely to get lost, stolen, or damaged when you’re out on a job. And how will you work without them?

    Adding this coverage to your lawn care contractors’ insurance means your gear’s protected. Whether something happens to it while it’s inside your van, a trailer, or at a job site.

  • Do I need insurance for mowing lawns?

    If you mow your neighbor’s lawn from time to time as a favor, then you probably don’t need specialist lawn care insurance.

    If, however, you operate under a business name and charge for your services, then it’s wise to protect yourself with insurance just like any other contractor.

    It’s a small investment considering how, without it, you’d have to compensate any unhappy third parties out of your own pocket. Which, if you’ve accidentally injured someone or damaged their property, can amount to quite a bit.

  • How much is insurance for a lawn care business?

    Lawn care insurance costs can vary depending on which state your business is located in, your employee payroll, and the kinds of projects you work on.

    The coverage options you choose can also influence the cost of your lawn care insurance. It stands to reason that the more coverage you buy, the more you’ll pay.

    For the full picture, read more on landscaping and lawn care insurance costs.

What other kinds of insurance do landscapers need?

Business owner's policy (BOP)

Comes with general liability, property, and business equipment insurance as standard. Plus, a range of optional add-ons, including coverage for:

  • Equipment breakdown
  • Money transfer fraud
  • Electronic data loss.
More info

Cyber liability insurance

If you use email, own a website, or store client data, cyber insurance is a must. It can’t stop a cyber-attack, but it can pay your recovery costs so your business survives from one.

More info

Workers' compensation insurance

Most states require you to have this policy even if you only have one employee. It’s good to have anyway. It protects your business from the cost of workplace illness and injury claims which can be crippling.

More info

Because we understand every business is different, we'll build an insurance package to suit your needs. In minutes.

To build the right insurance package for you call one of our licensed agents today on 978.344.4215.

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Amber Smith
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