Lawn Care Insurance
Mowing, edging, fertilizing, and maintenance — your lawn care business needs protection from day one.
Get Your Free QuoteWhy Lawn Care Businesses Need Insurance
Lawn care may seem lower-risk than tree removal or excavation, but accidents happen every day. A rock launched by a mower, a chemical burn on a client's lawn, or a crew member tripping over a sprinkler head can all lead to costly claims.
Property Damage
Mower throws debris through a window, fertilizer kills a lawn, equipment scratches a driveway. GL covers the repair costs.
Bodily Injury
A client or bystander gets hit by flying debris or trips over your equipment. GL covers medical bills and legal fees.
Completed Operations
Applied fertilizer that burned out a lawn weeks later? Completed operations coverage protects you after the job is done.
Equipment Protection
Mowers, edgers, blowers, and trailers are expensive. Inland marine coverage protects against theft and damage.
What Does Lawn Care Insurance Cost?
Most lawn care businesses pay $45–$65 per month for a standard $1M/$2M general liability policy. Lawn care is one of the most affordable landscaping niches to insure because it's lower-risk than tree work or hardscaping.
Typical policy: $1,000,000 per occurrence / $2,000,000 aggregate general liability. Add workers' comp if you have employees, and commercial auto if you use your truck for business.
Lawn Care vs. Landscaping Insurance
Insurance carriers distinguish between lawn care (mowing, maintenance, fertilizing) and full-service landscaping (design, installation, hardscaping, tree work). Lawn care-only businesses typically get lower rates because the risk profile is simpler.
If you offer both lawn care and landscaping services, make sure your policy covers all your operations — not just mowing. An uncovered service is an uncovered claim.
Learn more about general liability coverage →Get Covered Today
Affordable lawn care insurance from a licensed broker who understands your business.
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