Lawn Care Insurance
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- Purchase 100% Online
- Covers Rock & Debris Damage
- Meets Client Insurance Requirements
- Protects Your Equipment
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
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
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
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
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
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
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.
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.
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.
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.
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.
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)
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.
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.
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.
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.
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.
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.
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