Lawn Care Insurance in Texas

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Top Texas Lawn Care Businesses We Cover

Program Benefits

  • Tailored for Texas lawn care businesses
  • Instant coverage & COI to start jobs fast
  • Quick online purchase with no quote wait
  • Flexible monthly or annual payments with savings
  • 24/7 access to all policy documents
  • No deductible on liability claims
  • Top-rated insurance carrier you can trust
  • Customizable options to fit your needs
  • Dedicated support team when you need us
  • Simple claims process to keep you moving

What Kind of Insurance Do Texas Lawn Care Businesses Need?

In Texas, taking care of lawns isn’t just a seasonal gig — it’s a year-round industry. With our hot summers, mild winters, and ever-changing weather (think “blue northers” and sudden downpours!), your lawn care business stays busy no matter the time of year. You need insurance coverage that works just as hard as you do!

General Liability Insurance in Texas

General liability coverage sets the standard for lawn coverage. It’s designed to cover pay medical or legal costs in case of third-party bodily injury or property damage, advertising mistakes, and more.

This blanket coverage is foundational to any small lawn care business, as it allows you to work without fear that a claim could sabotage your efforts to grow as a company. Many clients in Texas — primarily commercial — require proof of general liability insurance before hiring a lawn care service.

Here are a few examples of real claims covered by Insurance Canopy’s lawn care general liability coverage:

  • A lawn care employee reported damage to a client’s sliding door by a rock flung by a weed-eater
  • A professional lawn mower reported damage to a client’s car by a rogue piece of equipment
  • A mowing service kicked up a rock that damaged a passing school bus’ windshield

 

No matter how careful you are, incidents like these are common. They can result in having to pay for costly repairs, strained client relationships, and negative word of mouth that harms your business.

Many Home Owners Associations (HOAs) and commercial properties in Texas will require you to provide proof of insurance. With over a third of Texas living under an HOA, having coverage not only protects you, but also opens doors to new clients who demand the security of working with insured professionals.

Don’t let a single claim sabotage the hard work you’ve put into growing your business — make sure you have the right coverage in place.

Additional Insureds

Additional insureds are qualified individuals or entities you add to your insurance policy to extend your coverage to them. If a claim is made naming both your lawn care business and the additional insured, your insurance can protect both parties.

In addition to requiring proof of your insurance, many HOAs and commercial property managers will ask you to add them as an additional insured. So if you accidentally damage the property of a homeowner while performing work for an HOA, for example, you and the HOA can be covered if a claim is brought against you.

This makes hiring you more attractive since additional insureds won’t be held financially responsible from mishaps arising out of your work.

Tools and Equipment Insurance in Texas

Chances are, your lawn care business relies on high-value equipment like mowers and trimmers. Inland Marine (tools and equipment) insurance protects against loss or damage due to theft, vandalism, or accidents.

Texas can be prone to severe weather, including tornadoes and hailstorms. Tools and equipment coverage can help provide financial support when seeking repairs or replacements for tools damaged by such weather events.

Cyber Liability Coverage in Texas

If you collect and store client information like names, addresses, phone numbers, and payment details online, you could be vulnerable to cyber attacks. Cyber liability coverage protects against financial losses from data breaches that expose this information. This coverage can help you with:

  • Data breach notification costs
  • Customer data loss
  • Ransomware and cyber extortion
  • Legal fees
  • Business interruption fees

Workers Compensation Coverage in Texas

Adding a Workers Compensation policy offers coverage for your employees’ work-related injuries. While workers comp isn’t mandatory for Texas lawn care businesses, you can still choose to opt in and protect yourself from the risk of costly employee injuries.

Commercial Auto Coverage in Texas

Commercial auto insurance is a must-have if your lawn care business uses vehicles to transport equipment or employees.

Texas state law requires businesses that own, rent, or lease vehicles for work operations to have commercial auto coverage. Personal auto insurance may not cover accidents while using a car for business purposes.

How Much Does Insurance Cost for a Small Lawn Care Business in Texas?

General liability insurance for lawn care businesses in Texas typically ranges from $500 to $1,800 per year, depending on factors like business size, location, and coverage limits.

Commercial auto insurance typically costs between $1,000 and $2,200 annually per vehicle, with costs varying based on the number and type of vehicles used.

Unlike some states, Texas does not mandate workers compensation insurance for private employers, including lawn care businesses, regardless of employee count. However, many still opt for coverage due to the high-risk nature of the work and to reduce potential legal liability. Workers comp insurance in Texas generally costs around $0.50 to $2.00 per $100 of payroll.

For a simple and affordable option for general liability, Insurance Canopy offers lawn care insurance starting at just $31 per month — or save up to 12% with annual payments — all online for quick and easy coverage! Add additional coverage depending on your needs, such as additional insureds, tools and equipment, cyber liability, or workers comp.

5 Factors Affecting Your Total Insurance Cost

When determining the total insurance cost for your Texas-based lawn care business, several key factors come into play:

  1. Type of coverage: The specific types of insurance you choose will significantly impact your premiums. More comprehensive coverage typically leads to higher costs.
  2. Business size and revenue: The size of your business, including the number of employees and overall revenue, influences your insurance rates. Larger companies with more employees and higher revenue generally face higher premiums due to increased risk exposure.
  3. Location: The geographic area where you operate can affect your insurance costs.
  4. Claims history: Your past claims history is crucial in determining your rates. A history of frequent or significant claims can signal higher risk to insurers, resulting in increased premiums.
  5. Safety measures and risk management: Implementing safety protocols and risk management practices can lower insurance costs. Insurers often provide discounts for businesses that are committed to reducing risks, such as employee training programs or proper equipment maintenance.

 

Understanding these factors can help you make informed decisions when selecting insurance coverage for your lawn care business.

Image of lawn care equipment
Image of a man working in a garden

How to Apply for Lawn Care Insurance in Texas

Applying for lawn care insurance with Insurance Canopy is easy! Just follow these steps:

  1. Assess your coverage needs: Determine what types of insurance you require, such as general liability, tools and equipment coverage, cyber liability coverage, additional insureds, and/or workers compensation.
  2. Complete the application: Get an instant quote when you fill out the application online or over the phone.
  3. Submit your application: After submission and payment, you’ll receive instant access to your Certificate of Insurance (COI) – so you can prove you’re covered!

Texas Lawn Care Resources

Lawn Care Industry Fast Facts

Texas lawn care employment and salary statistics as of May 2023:

  • Mean hourly wage: $17.13
  • Annual mean wage: $35,630

 

Number of lawn care employees in Texas: 68,500

Source: U.S. Bureau of Labor Statistics

Texas Lawn Care License Guidelines

Lawn care businesses in Texas generally do not require a statewide license if they are only providing basic mowing and landscaping services. But if your business applies fertilizers or pesticides, you must obtain a Commercial Applicator License from the Texas Department of Agriculture.

Local regulations and requirements may also vary, so check with your local city or county government for regional licensing and permit requirements.

Get Instantly Insured Online with Insurance Canopy!

We know Texans do “big” well — which is why we’re all for the growth of your business!
Insurance Canopy offers Texas the best lawn care insurance by providing tailored coverage that addresses the unique challenges of year-round lawn care.

With specialized policies that protect against common risks such as equipment damage and liability from on-the-job accidents, you can rest easy knowing your business is fully safeguarded through every season.

Get a quote from Insurance Canopy today and experience the security that comes with comprehensive coverage designed just for Texas lawn care professionals!

Picture of <span style="font-weight: 600; font-family: open sans; font-size:14px;">Updated By:</span><br>Megan Finley | Copywriter
Updated By:
Megan Finley | Copywriter

Salt Lake City-based copywriter Megan Finley excels in transforming the complexity of the insurance world into engaging human stories. She holds a Master’s in English from Brigham Young University and a professional certification in Marketing from Cornell University. Meg has written professionally for local newspapers, product packaging, e-learning software, academic publications, and more. She is fully trained on Insurance Canopy’s wide variety of products and now helps small business owners navigate their insurance needs.

Salt Lake City-based copywriter Megan Finley excels in transforming the complexity of the insurance world into engaging human stories. She holds a Master’s in English from Brigham Young University and a professional certification in Marketing from Cornell University. Meg has written professionally for local newspapers, product packaging, e-learning software, academic publications, and more. She is fully trained on Insurance Canopy’s wide variety of products and now helps small business owners navigate their insurance needs.

Picture of <span style="font-weight: 600;font-family: open sans;font-size:14px">Reviewed By:</span><br>Kyle Jude | Program Manager
Reviewed By:
Kyle Jude | Program Manager

Kyle Jude is the Program Manager for Insurance Canopy. As a dedicated program manager with 10+ years of experience in the insurance industry, Kyle offers insight into different coverages for small business owners who are looking to navigate business liability insurance.

Kyle Jude is the Program Manager for Insurance Canopy. As a dedicated program manager with 10+ years of experience in the insurance industry, Kyle offers insight into different coverages for small business owners who are looking to navigate business liability insurance.