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Lawn Care Insurance

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AS LOW AS

^$33.75

Monthly

What Is Lawn Care Insurance?

Lawn care business insurance is a type of landscaping insurance designed to cover the most common claims that you may face on the job. If an employee accidentally cuts a sprinkler line while edging or your mower throws a rock at a customer’s window, lawn insurance can cover some or all of the cost.

From third-party property damage to costly medical and legal fees, we cover the costs so you and your crew can keep doing what you do best.

How Much Does Lawn Care Business Insurance Cost?

The cost of lawn care insurance starts as low as $33.75/month or $375/year. This covers you and up to two employees, with the option to add coverage for up to nine total employees.

Your final cost depends on the optional coverage you choose, your business’s revenue, and the number of employees you have.

What Insurance Do I Need for My Lawn Care Business?

Every lawn care business needs general liability insurance to cover unexpected accidents. This base coverage protects you if your business activities result in injuries, property damage, or other liabilities.

You can further customize your coverage to fit your business needs with add-ons, including:

Equipment & Tools Coverage: Provides coverage for movable business equipment, including mowers, trimmers, and ladders
Lawn Care Surety Bonds: Financial protection for failing to complete contractual obligations
Workers Compensation Coverage: Covers an employee’s lost wages and medical expenses if they get sick or injured on the job
Commercial Auto Coverage: Liability coverage for work vehicles
Snow and Ice Removal: Liability coverage for residential snow removal services (single-family homes, driveways, and small multi-family complexes); excludes commercial properties and public roads
Pool and Pond Maintenance: Covers pool cleaning, chemical treatments, and basic pump/filter repairs; also helps protect you if you accidentally damage a client’s pool or equipment during service
Additional Insureds: Lets you temporarily add contractors or clients to your policy when required; pricing starts at $0.83/month or $10/year per insured, and subcontractors typically must list you as an additional insured on their policy

Why Insurance Canopy Has the Best Lawn Care Insurance

According to Fit Small Business, we offer the most affordable lawn care liability insurance available. We don’t just excel at low pricing though, we also offer robust policy limits and nationwide coverage designed to meet your unique business needs. We’re here to support you every day, every season.

Maximum Lawn Care Liability Insurance Limits

General & Professional Liability Limits

Limits

General Aggregate

The most your policy will pay in a 12-month policy period for bodily injury and property damage claims that you become legally obligated to pay due to your business services.

$2,000,000

Products & Completed Operations Aggregate

The maximum amount your policy will pay in a 12-month period for bodily injury and property damage claims that result from the products you use to perform your services. However, it does not cover products that are sold or distributed.

$1,000,000

Each Occurrence Limit

The maximum your policy will pay for a bodily injury or property damage claim that you are legally obligated to pay due to your business services.

$1,000,000

Personal & Advertising Injury Limit

The amount that your policy will pay for claims arising out of one or more of the following offenses:

False arrest, detention, or imprisonment
Malicious prosecution
Wrongful eviction or wrongful entry
Oral or written publications that slander or libel a person or organization
Oral or written publication or material that violates a person’s right of privacy
The use of another’s advertising idea in your advertisement

$500,000

Damage to Rented Premises Limit

Applies to damage by fire to premises rented to the insured and to damage regardless of cause to premises (including contents) occupied by the insured for 7 days or less.

$100,000

Optional Add-Ons

Price

Equipment & Tools Coverage (Inland Marine)

Also known as “inland marine,” Equipment & Tools covers moveable property like mowers, edgers, and gardening supplies. Excludes any structures and items that are permanently fixed to a single location.

$5,000/yr.

$10,000/yr.

$25,000/yr.

Lawn Care Professional Liability

Also known as errors and omissions (E&O), this coverage protects you from financial losses resulting from mistakes or negligence in your services. This includes advice or consultation you offer to a customer that causes bodily or financial injury.

$25K per claim up to $50K total

$1K deductible

$15/mo or $180/yr.

Snow and Ice Removal

Liability coverage for lawn care businesses that perform residential snow removal services. This covers single-family homes, driveways, and small multi-family complexes. Services for commercial properties and public roads are not protected under Snow and Ice Removal coverage.

$217/mo. or $2,604/yr.

Pool and Pond Maintenance

Covers pool cleaning, chemical treatments, and basic pump and filter repairs. Pool and Pond Maintenance also protects you from expensive claims if you or an employee accidentally damages a client’s pool or equipment during service.

$20/mo. or $240/yr.

Pressure Washing

Protects landscaping businesses that service residential driveways, fences, patios, and exterior walls. However, the business must only use non-toxic, water-based chemicals and clean surfaces less than two stories tall.

$13/mo. or $156/yr.

Additional Insureds

Some lawn care jobs require temporarily adding contractors or clients to your policy as additional insureds. Pricing starts at just $0.83 per month, or $10 per year per insured. Also, if you use independent contractors to assist with jobs, the coverage requires that you are listed as an additional insured on their policy.

$0.83/mo. or $10/yr. (each additional insured)

Workers Compensation

Provides financial compensation for employees who suffer work-related illnesses or injuries, including lost wages, medical expenses, and rehabilitation. It also covers your legal fees if an employee sues you over a workplace injury or illness.

Surety Bonds

Bonds protect your clients from financial loss if you are unable to complete a contract. They also ensure you meet all legal requirements necessary for jobs.

Cyber Liability

Protects your business from financial loss caused by phishing scams, ransomware, and other cyberattacks. If your company processes payments and stores client information digitally, cyber liability is an essential part of securing your business.

Commercial Auto Coverage

Lawn care professionals typically rely on a fleet of vehicles to transport landscaping equipment and crew members. If an employee gets into an accident on the way to a job site, commercial auto coverage can cover third-party injuries and damages. Additionally, it also covers vandalism and theft of your equipment.

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Real Reviews From Real Insureds

Here’s what other Insurance Canopy policyholders have to say about their experience.

They provided clarity on the importance of insurance for a first time business owner in the cleaning space and provided clear insight next steps and options for coverage.

Evergreen Multiservices
February 2, 2026
Extremely user friendly website, super affordable and very little time needed to apply.

Carl Sari
January 31, 2026
Excellent company, Great service, the best!!!

Claudina Adams
January 15, 2026
Super affordable insurance for a small business like myself super happy to be able to provide this to my customers really helps of landing more gigs

Alex
January 5, 2026
Really went the extra mile to find the appropriate coverage for my business.

Daisy B
January 2, 2026
Canopy provided escatly what I neede to book the gig, and at a very affordable price.. Thank You!

Andy Anderson
December 22, 2025
Easy. Convenient. Trustworthy. Came thru in a moments notice

Eddie K
December 19, 2025
Affordable liability insurance for DJ's. Easy to set up and understand. I've been with them for several years and am happy with their service.

Peter Flessas
December 14, 2025
So easy to sign up. I hope I never have to use the insurance portion but most hotels require it for corporate gigs

Yuri Gonzalez
December 11, 2025
This company is great. They are very helpful and they have great prices for insurance options that cover what you need!

Jacob Serrano
December 6, 2025

They provided clarity on the importance of insurance for a first time business owner in the cleaning space and provided clear insight next steps and options for coverage.

Evergreen Multiservices
February 2, 2026

Extremely user friendly website, super affordable and very little time needed to apply.

Carl Sari
January 31, 2026

Excellent company, Great service, the best!!!

Claudina Adams
January 15, 2026
Super affordable insurance for a small business like myself super happy to be able to provide this to my customers really helps of landing more gigs

Alex
January 5, 2026

Really went the extra mile to find the appropriate coverage for my business.

Daisy B
January 2, 2026

Canopy provided escatly what I neede to book the gig, and at a very affordable price.. Thank You!

Andy Anderson
December 22, 2025
Easy. Convenient. Trustworthy. Came thru in a moments notice

Eddie K
December 19, 2025

Affordable liability insurance for DJ's. Easy to set up and understand. I've been with them for several years and am happy with their service.

Peter Flessas
December 14, 2025

So easy to sign up. I hope I never have to use the insurance portion but most hotels require it for corporate gigs

Yuri Gonzalez
December 11, 2025
This company is great. They are very helpful and they have great prices for insurance options that cover what you need!

Jacob Serrano
December 6, 2025

Great experience, quick and easy to understand with what I needed for my business. Highly recommend!

FrankLynn Rae
October 28, 2025

Very helpful customer service! Prompt, punctual, effective! No bots or long waits to get assistance.

Maria Ciccone
October 19, 2025
Canopy insurance has made affordable, band insurance needed for major venues. Thank you for your fast and easy service Stan Zizka's Del Satins

stan zizka
October 5, 2025

Getting a vendor policy was quick and fairly priced compared to other quotes.

Kristine Fullerton
October 3, 2025

Thank you so much

Steve Monreal
July 11, 2025
I needed a portable policy as a yoga instructor. I found this company in an online search. Called and got details from them, was quite surprised at how affordable... Read More

Jamie Calaway
July 4, 2025

Very easy & quick experience. We got insurance in no time with no hassle. Thank you!

Robert Earnest
July 4, 2025

I am glad I went with them. I needed a last minute policy to cover an event I was doing and they had exactly what I needed at a... Read More

Deloris Pacheco
June 27, 2025
Very easy to renew policy

Elyce Nissinoff
June 18, 2025

Representative Sarah was very helpful. Walked me through every step and not to mention the price even matched the service! Would recommend to any and everyone.

queenkiam
June 18, 2025

Would have 5 starts, but not right now. This is the first time I have ever had to pay for an additional insured ever in 20 year's. They either have... Read More

Anthony Burgess
June 18, 2025
Very user friendly platform. Multiple options. Very good pricing. Needed liability insurance in order to secure a very good paying event for my solo tribute show. Was set up within... Read More

Michael Riley
June 18, 2025

Needed DJ insurance for Memorial Day weekend & was squared away within an hour for 2 events! Highly recommend

Jay Solis
June 18, 2025

What a lovely experience I had with Insurance Canopy! Easy and fast sign up, great policy, matches my needs as a self-employed business owner. Highly recommend!

Masha Rusanov
June 18, 2025
great little company, with fair pricing, for entertainers who need occasional coverage. however, they have long hold times to speak to an agent, and their customer service left a little something... Read More

Gretje Angell
June 18, 2025

Provides event insurance at a very reasonable price compared to other companies. Easy to purchase and provide proof of insurance.

David Fox
May 18, 2025

They can help.you with the right Insurance you need, and the lowest price

Alvaro Baltazar
May 18, 2025
everything is excellent

Radames Martinez
May 18, 2025

Extremely affordable event insurance and an easy to work with system and team that will advise you every step of the way!

Ishan Arvin
May 18, 2025

Affordable for dance & yoga folk. Thumbs up!

Maia Claire
May 18, 2025

Top-Quality Liability Insurance for Lawn Care Businesses

Buying insurance shouldn’t feel like getting lost in the weeds. That’s why we keep it simple and straightforward. Purchase your lawn care insurance policy online today!

FAQs About Lawn Care Business Insurance

Is landscaping insurance required by law in my state?

Oregon is the only state that requires lawn care professionals to have liability insurance prior to issuing a license. Keep in mind that not having insurance limits your access to jobs, as many clients won’t hire without it.

What coverage limits do HOAs and commercial clients usually require?

HOAs and commercial clients typically require policy limits of $1,000,000 for each occurrence and a $2,000,000 aggregate. However, each HOA and client determines specific limits, so always refer to the contract for the correct information.

Does my policy cover pesticide/herbicide application, or do I need a special endorsement?

Lawn care insurance does not cover herbicide and/or pesticide applications requiring a license. Always ensure you use eligible chemicals and solutions when treating a client’s property.

Are my tools, mowers, and trailers covered if they’re lost or stolen on the job?

Our equipment and tools insurance covers theft and vandalism of lawn care equipment that’s in-transit, mobile, or stored away from your business. This includes detached trailers, mowers, and other essential landscaping tools.

Note: Equipment and tools coverage is not included in the base lawn care policy. You can add this optional coverage at checkout when you purchase your policy or anytime after via your online dashboard.

Choosing the right insurance is critical.

You can’t afford gaps in your coverage that could put you out of business.

Still have questions regarding our policies? Feel free to reach out to our licensed insurance agents. We are available Monday through Friday from 8am–8pm ET.

Phone: 844.520.6993
Email: info@insurancecanopy.com