Lawn Care Business Insurance
- Covers Rock & Debris Damage – Protection if a rock breaks a window
- Meets Client Insurance Requirements – Stay compliant and win more jobs
- Protects Your Equipment – Optional coverage for trailers, tools, and gear
Lawn care business pays $22,400 for applying herbicide at the wrong house.
Mistakes happen.
Get insured before they do.
Tailored To Your Profession
Activities We Cover
- Lawn Mowing & Maintenance
- Landscaping
- Gardening
- Leaf Raking
- Gutter Cleaning
- Groundskeeping
- Tree & Shrub Trimming
- Hanging Christmas Lights
- Fertilizing
- Weed Killing/Prevention
- Thatching or Aerating
- Planting Flowers, Small Trees, Shrubs
- Interior Landscaping
Why Do Lawn Care Businesses Need Insurance?
Running a lawn care business? Insurance isn’t just a nice-to-have — it’s a must. Accidents happen, like a worker accidentally damaging a client’s property or getting hurt on the job. Insurance covers repair costs, legal claims, and medical expenses, keeping your business running smoothly.
If you accidentally break a sprinkler
General liability coverage helps reimburse clients for property damage.
If a rickety ladder injures a client, resulting in injury
General liability covers third-party medical expenses and legal costs.
If your trailer is stolen with equipment inside
Trailer & Equipment insurance helps you replace both your trailer and equipment.
If an employee slips on wet grass and is injured
Workers compensation can assist with medical expenses for your team.
Valley Custom Lawn Services for Insurance Canopy
How Much Does Lawn Care Business Insurance Cost?
At just $31 a month, we offer lawn business insurance coverage that doesn’t break the bank — and still pays out when you’ve filed a legitimate claim. Our competitive coverage is tailored to your needs, and understanding the factors that influence your final premium costs can help you make the best coverage choices. Also – save up to 12% when you purchase an annual policy.
Recommended Lawn Care Liability Insurance Coverage
Our lawn care insurance offers essential general liability coverage necessary for client contracts. We also recommend adding extra coverage for employee injuries, dishonesty, and theft or loss of supplies. Available coverages include:
Included
General Liability Coverage
General liability insurance for lawn care businesses shields you from claims related to bodily injury, property damage, or personal injury that may occur during their work. For instance, if a client or passerby is injured by a falling tree branch while you’re trimming trees or if a rock from your lawnmower accidentally shatters a nearby window, general liability insurance can help cover medical expenses and legal costs associated with the incident. However, it’s important to note that this coverage does not extend to injuries sustained by you or your employees—it only covers your clients and third parties.
Add-Ons
Additional Insureds
Adding additional insureds to your policy expands your coverage to qualified third parties, safeguarding them against mishaps related to your work. It’s common for commercial clients, landlords, and other third parties to require you to list them as additional insureds before renting to you or hiring you. Insurance Canopy simplifies this process – you can add additional insureds directly from your dashboard.
Trailer & Equipment Coverage
Trailer and equipment insurance, also known as inland marine insurance, covers your valuable gear (including detached trailers, mowers, trimmers, aerators, ladders, protective gear, and more) in cases of theft or accidental damage.
Workers Compensation Coverage
Workers compensation for lawn care businesses covers medical expenses and lost wages if an employee is injured on the job. If an employee twists an ankle, sustains an injury from heavy lifting, or suffers heat stroke during summer work, this policy helps cover medical costs incurred.
Required in most states, workers comp not only protects your business from lawsuits and fines but also demonstrates to your team your commitment to their safety.
Lawn Care Surety Bonds
Surety bonds support your landscaping business by providing coverage if you do not fulfill your contractual obligations. A bond consists of three key parties: the landscaping contractor (you!), the client, and the surety company. Suppose your business is accused of not meeting the client’s needs, resulting in a fine. In that case, a bond provides the money for you to compensate your client immediately to avoid further repercussions. Your company is then responsible for paying back the bond amount to the surety company.
Although not universally mandatory, surety bonds are required in many areas for legal lawn care tasks and public construction projects.
Having a surety bond allows clients to invest with confidence. Once you’ve acquired your lawn care insurance policy, you can easily buy your bond through your customer dashboard.
Types of bonds we offer:
- Business Service Bonds
- License & Permit Bonds
- Contractor Bonds
- Custom Pesticide Applicator
Cyber Liability Coverage
Gathering emails for digital marketing? Housing client addresses online? If you use digital means to conduct any part of your lawn care business, Cyber Liability coverage for lawn services can help you with:
- Data Breach Notification Costs
- Customer Data Loss
- Ransomware and Cyber Extortion
- Legal Fees
- Business Interruption Fees
Commercial Auto Coverage
For lawn care businesses, commercial auto insurance is a must. Whether you’re hauling mowers, transporting crews, or moving materials between job sites, accidents can happen on the road.
Commercial auto covers vehicle damage, medical expenses, and liability claims, from fender benders to major collisions. Most personal auto policies won’t cover business use — and in many states, commercial auto is required. Protect your business, your drivers, and your equipment every time you hit the road.
Coverage Limits for Lawn Care Business Insurance
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.
$2,000,000
The maximum your policy will pay for a bodily injury or property damage claim that you become 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 libels 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
$1,000,000
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 Coverage Options
Tools & Equipment Coverage
Limits
Premium
Deductible
$5,000 Policy Year
$155
$500
$10,000 Policy Year
$258
$25,000 Policy Year
$670
Need Expert Support?
Monday to Friday, 8:00 am – 8:00 pm EST
¡se habla español!
Email: info@insurancecanopy.com
Phone: 844.520.6993
Why Lawn Care Businesses Love Insurance Canopy
Your business was crafted with care — your insurance should be, too. Insurance Canopy stays ahead of the curve when it comes to the lawn care industry, providing expert-led coverage and support for your business.
Affordable & Transparent Policies
Our policies are clear and straightforward, free from any hidden surprises — offering reliable protection for your lawn care cleaning business.
Tailored for Small Businesses Like You
We recognize the specific risks that lawn care businesses encounter. Our coverage is tailored to safeguard your expertise and support your business as it expands.
100% Online With Human Expert Support
Easily manage everything online while receiving expert 1:1 support whenever you need it. We’re here to assist you every step of the way.
135,000+ Small Businesses Trust Insurance Canopy
-
Thank you so much
Steve Monreal
July 11, 2025I 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, 2025Very 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, 2025great 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, 2025What 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 -
Needed DJ insurance for Memorial Day weekend & was squared away within an hour for 2 events! Highly recommend
Jay Solis
June 18, 2025Very 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, 2025Would 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 -
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, 2025Very easy to renew policy
Elyce Nissinoff
June 18, 2025They can help.you with the right Insurance you need, and the lowest price
Alvaro Baltazar
May 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, 2025Affordable for dance & yoga folk. Thumbs up!
Maia Claire
May 18, 2025Extremely 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 -
everything is excellent
Radames Martinez
May 18, 2025I'm a new customer/policy holder. Super easy online application and policy setup. Very competitive rates. Certificate of insurance generated and received (PDF) immediately once method of payment established. Great service... Read More
Matthew Terry
April 18, 2025For me, this application process was super efficient and easy to navigate on line. That goes a long way!
Holly Mulder
April 18, 2025 -
Affordable. Thank you.
Ana Young
April 18, 2025I have not had any issues over the years with Insurance Canopy, with canceling and renewing, I have found the cost of coverage in line or better then some. I have... Read More
John Corkins
March 18, 2025Canopy insurance has covered my DJ business for several years and I am totally satisfied with their services. Thank you DjVic🎧
DjVic Universal Sounds
March 18, 2025 -
I have them for 3 years this year seems price went up . I have never had to use them for a claim so really couldn’t tell you about that!
Denice Lapointe
February 18, 2025Great for Event Insurance - most affordable
Gaby Nobrega
February 18, 2025I was feeling overwhelmed with the specifications needed for my insurance coverage. I was offered friendly, quick and clear assistance. Through Canopy and Rey's help I was able to obtain... Read More
ESPIE QUINTERO
February 18, 2025 -
TLJ's Mobile Mixology, LLC had been insured with Insurance Canopy since it's inception and we have no complaints.
Tenisha J.
February 4, 2025Knowledgeable, kind, attentive and professional. She helped me to feel comfortable, well taken good care of and get the service possible.
Ed Levitt
February 3, 2025As a Massage Therapist, I was not aware until a few years ago that I did not have to be part of an Organization to get my liability insurance! I... Read More
Kristie Williams
January 30, 2025 -
This insurance has helped me secure events with my corporate and local government clients. They have great customer service and are always willing to help.
Tony Felix
January 23, 2025Representative was clear & concise in explaining specifics of the policy. Cost of policy very reasonable.
John B
January 16, 2025I’m very happy with my purchase of liability insurance for a one-off event. I was even able to edit the policy after it had been issued with the help of... Read More
jay gedeon
January 6, 2025
-
Thank you so much
Steve Monreal
July 11, 2025 -
Very easy & quick experience. We got insurance in no time with no hassle. Thank you!
Robert Earnest
July 4, 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 -
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 -
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 -
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 -
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 -
Needed DJ insurance for Memorial Day weekend & was squared away within an hour for 2 events! Highly recommend
Jay Solis
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 -
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
Questions About Lawn Care Business Insurance
Do I need insurance to mow lawns?
Absolutely. While mowing lawns seems straightforward, accidents still happen. A rock through a glass window or denting a car can be very costly. By protecting you from these unforeseen mishaps, lawn service liability insurance allows you to concentrate on delivering excellent service.
What kind of insurance do you need for a lawn care business?
Lawn care businesses need general liability insurance to cover property damage and injuries, workers compensation insurance if they have employees, and commercial auto insurance for work vehicles and trailers. Equipment insurance protects detached trailers, mowers, trimmers, and other tools.
How much is general liability insurance for a lawn care business?
Lawn care insurance begins at just $31 per month or $336 annually with Insurance Canopy. Compared to the average rate of $45 per month, or roughly $530 a year, our pricing offers savings while ensuring your business gets the robust protection it needs.
Is my lawn care insurance policy effective immediately?
Yes, your lawn care insurance policy can be effective immediately upon purchase. You’ll receive instant coverage confirmation and your Certificate of Insurance (COI) as soon as you complete the online application and payment. Make sure to review your policy documents for any specific conditions or exclusions.
How can I renew or cancel my policy?
You can cancel your lawn care liability insurance anytime through your online dashboard.
Policies automatically renew at the end of their term to avoid coverage gaps. You will receive an email notification before the renewal, ensuring that no unexpected charges occur. If you need to change your policy, don’t hesitate to contact support.
How do I file a lawn care claim?
Submitting a lawn care business claim with Insurance Canopy is easy. Here’s what to do:
- Create a Report: If an incident occurs, such as theft or property damage, notify the appropriate authorities. Collect crucial details like dates, locations, and contact information for all parties involved.
- Prepare Paperwork: Gather all essential documents, including your insurance policy details, receipts for any damaged or stolen items, and any incident reports.
- Submit a Claim Online: Sign in to your user account, navigate to the “Manage Policies” section, and select “File A Claim.” Complete the necessary information and submit your claim. Most claims are processed within 24 to 48 hours.
If you have questions or need assistance, our team is here to help.
Mow Down Risks With Insurance Canopy
Related Articles
7 Best Lawn Care Software Picks of 2025
You’ve got lawns to cut, clients to manage, and invoices to send —
How to Start a Tree Service Business: Everything You Need to Know Before You Cut
If you’re learning how to start a tree trimming business, now is a
Tree Service Insurance: What You Need to Know to Protect Your Business
Insurance for tree service businesses helps cover damage, injuries, lawsuits, and stolen equipment
