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Lawn Care & Mower Insurance: Cost & Quotes From $11/mo

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Table of contents

1. Lawn Mowing Contractor Insurance 1.1. Public Liability Insurance for Lawn Mowing Business1.2. Directors and Officers Liability Insurance for Lawn Care Business1.3. General Liability Insurance for Lawn Mowing Business 1.4. Lawn Mowing Professional Liability Insurance 1.5. Surety Bond for Lawn Care 1.6. Commercial Property Insurance for Lawn Care Business  1.7. Workers Compensation Insurance for Lawn Care Service Businesses1.8. Commercial Auto Insurance for Lawn Mowing Business2. What is Lawn Mower Insurance?2.1. Lawn Mower Theft Insurance2.2. Equipment Breakdown Insurance for Lawn Mowers2.3. Property in Transit Insurance for Lawn Mower 2.4. Lawn Care Equipment Insurance2.5. Personal Lawn Mower Insurance 3. Ride On Lawn Mower Insurance4. Zero Turn Mower Insurance5. Garden Tractor Insurance6. Garden Machinery Insurance7. Short Term Lawn Care Liability Insurance 7.1. Lawn Care Liability Insurance by The Hour 7.2. Lawn Care Liability Insurance for One Day 7.3. Lawn Care Liability Insurance by The Month 8. How Much is Insurance for A Lawn Care Business?8.1. Location8.2. Business Experience8.3. Revocation of Previous Insurance Policies 8.4. Revenue 8.5. Claims History8.6. Number of Employees8.7. Owned or Rented Commercial Building9. Lawn Mower Insurance Cost10. How Much is Liability Insurance for A Lawn Care Business?11. Best Lawn Care Insurance Companies 11.1. Best Companies for Long Term Lawn Care Insurance 11.1.1. NEXT Lawn Care Insurance 11.1.2. Geico Lawn Care Insurance 11.1.3. State Farm Lawn Care Insurance 11.1.4. Progressive Lawn Care Insurance 11.2. Best Companies for Customized Lawn Care Insurance 11.2.1. CoverWallet Lawn Care Insurance  11.2.2. Insurance Canopy Lawn Care Insurance 11.3. Best Companies for One Day, Hourly, or Monthly Lawn Care Insurance  11.3.1. Thimble 11.3.2. The Hartford  11.3.3. Hiscox 12. Frequently Asked Questions12.1. Do I Need Insurance To Mow Lawns?12.2. Do You Need Insurance for A Lawn Care Business?12.3. What Insurance Do I Need for A Lawn Mowing Business To Run Smoothly?12.4. Can You Insure A Lawn Mower?12.5. What is The Best Insurance for Lawn Care Business?12.6. How To Insure A Lawn Care Business?12.7. How To Get A Commercial Lawn Service Insurance?

Many exposures are associated with running a lawn care company. Insurance companies underwrite specialized lawn care service insurance or lawn mowing insurance that caters to such exposures. In this guide, know about the intricacies of the specialized insurance for lawn mowing business. 


Also read:

Lawn Mowing Contractor Insurance 

Lawn mowing contractor insurance or commonly known as commercial lawn care insurance is a tailored coverage for small businesses and independent professionals providing lawn care services to homeowners and commercial establishments. This isn't insurance that functions on its own. Rather, it’s composed of many business insurance for mowing business. Also, insurance for lawn mowing contractors is alternatively known as grass cutting insurance. 

So what policies are underwritten by most carriers? Common lawn mowing business insurance are:


Public Liability Insurance for Lawn Mowing Business

A lot of unexpected things can happen while providing a lawn mowing service. Here are some examples:

  • Your lawn mower ran over someone’s foot 

  • The lawn mower you’re using became defective and spilled oil or gasoline on the lawn

  • The lawn mower suddenly caught fire and burned a portion of the lawn

  • You lost control while using the lawn mower. It hit the fences and caused damage with its blades

  • The blades of the lawn mower picked up debris and threw it at an individual or a property 


Having liability over the injuries or property damage someone sustains due to your lawn mower is a big problem. In connection, it’s good to have lawn mowing public liability insurance to wrap things up without spending a single dime. 

Public liability insurance for lawn care business provides $1 million - $2 million insurance money. You can claim this type of lawn care liability insurance the moment someone sues you for personal injuries or property damage. Here’s how public liability insurance for lawn mowing business works in practice:

  • If someone files a claim against you for personal injuries, public liability insurance will cover or reimburse the person’s medical expenses

  • Public liability insurance for lawn mowing business will help you reimburse the value of a property damaged by your lawn mowing service 

  • You can also use public liability insurance to cover administrative fees, attorney fees, and other legal expenses associated with personal injury claims or property damage claims filed by third parties 


Public liability insurance is a very basic coverage. This type of lawn care business liability insurance can’t be customized to cover other exposures as your lawn mowing business grows. That said, if you’re looking for something more comprehensive, get general liability insurance for lawn mowing business. 


Directors and Officers Liability Insurance for Lawn Care Business

Directors and officers liability insurance lawn care business is useful if you’re running a lawn care company operating in a corporate structure. If customers, shareholders, and other third parties, sue a company’s directors or officers for offenses associated with the performance of their duties, directors and officers liability insurance will cover attorney fees, administrative costs, and other legal defense expenses. 


General Liability Insurance for Lawn Mowing Business 

General liability insurance for lawn mowing business also covers personal injury claims and property damage claims. However, lawn care general liability insurance is better than public liability insurance because it can be added with optional policies. 

Optional policies are add-ons to specific types of mowing business insurance. They enhance the function of the policy where they’re added. Common optional policies to general liability insurance for lawn care business are:

  • Products and completed operations coverage-Products and completed operations coverage will cover settlements, administrative costs, attorney fees, and other legal expenses if the lawn mowing service you completed caused personal injuries or property damage 

  • Advertising injury coverage-Advertising injury coverage will take care of expenses if your lawn mowing business is sued for copyright infringement, slander, and libel

  • Rented premises liability coverage-This type of optional lawn mowing business insurance will cover cost if you’re renting a commercial space that then becomes destroyed or sustains damage due to fires 


So how much money can you get from general liability insurance for lawn business? General liability liability insurance also provides $1 million - $2 million coverage for personal injury claims or property damage claims. Optional policies can have their own limits or share the primary limits of general liability insurance. 


Lawn Mowing Professional Liability Insurance 

Personal injuries and property damage aren’t the only reasons for a lawsuit to be filed against your lawn mowing business. And so, general liability or public liability isn’t the only liability insurance needed for lawn mowing business. 

Clients will file a claim if the lawn service you provided was substandard or had substantial errors. Professional liability insurance for lawn mowing service provides protection in this situation. This type of lawn service liability insurance gives $1 million - $2 million insurance money you can use to pay for administrative costs, settlements, and other legal expenses if a client files a claim because you committed or allegedly committed the following:

  • Missed deadlines

  • Violation of good faith

  • Violation of fair dealing

  • Breach of confidentiality

  • Negligence

  • Other acts considered errors and omissions 


Professional liability insurance for lawn care company is underwritten as a claims-made policy. This means that it only provides coverage if you file a report to the insurance company the moment a covered peril happened. 

Note that professional liability insurance for a lawn care business is also known as errors and omissions or professional indemnity insurance. Regardless of how it’s called, its function is still the same. Another thing you need to know is that some insurance companies sell this type of lawn mowing insurance as a coverage in general liability insurance,  a good example is NEXT. 


Surety Bond for Lawn Care 

Another insurance for lawn care is a surety bond. This type of lawn insurance  is very important if you’re planning to provide a service to large commercial establishments or public establishments. Surety bond insurance for lawn service sees to it that the client gets reimbursement for losses should your lawn care company fail or delay the completion of a lawn mowing project. 


Commercial Property Insurance for Lawn Care Business  

Your lawn care business can’t operate without a commercial building. If you’re worried about the resulting expenses if something happens to it, purchase commercial property insurance for lawn care business. This type of lawn care business insurance provides coverage for the following perils:

  • Building damage-Commercial property insurance will cover repair expenses or reimburse your losses if the roofing, door, windows, flooring, wall, siding, or other structure of your lawn mowing business’s building sustains damage due to fire, theft, vandalism, and other covered perils 

  • Building destruction-Commercial property insurance insures the continuity of your lawn care business even if its building is damaged or destroyed by fire or extreme weather. The policy does this by paying for reconstruction costs or reimbursing the value of the building destroyed 


Just like general liability insurance, commercial property insurance for grass cutting business is scalable. In other words,  you can also add optional coverages to this type of business insurance for lawn care, specifically:

  • Stocks and contents coverage-This optional lawn care insurance covers the valuable items within the premises of your lawn care business’s building. In practice, stocks and contents coverage will cover costs of important documents, office furniture, office installations, etc. that become lost or damaged due to fire, theft, vandalism, and other covered perils 

  • Business equipment and tools coverage-This optional lawncare insurance will recover losses if the lawn mowers and other equipment becomes damage or lost within the commercial building’s premises due to fire, theft, vandalism, extreme weather, and other covered perils


Note that this type of lawn care company insurance doesn’t shield you against earthquakes, floods, and mudslides. To get covered against these perils, you need to purchase specialized types of lawn service insurance such as:

  • Earthquake insurance

  • Mudslide insurance

  • Flood insurance


Workers Compensation Insurance for Lawn Care Service Businesses

Workers compensation insurance for lawn care service will cover costs if an employee sustains a work-related injury or disease. Particular costs covered by this type of small lawn care business insurance are medical expenses, rehabilitation, lost income compensation, death benefits, medication, and hospitalization. Workers compensation insurance cost for lawn care business is calculated using this formula:

  • Rate of the insurance company x $100/annual average payroll


Commercial Auto Insurance for Lawn Mowing Business

Commercial auto insurance is a coverage for the commercial vehicle your lawn mowing business owns.  This type of lawn business insurance covers expenses if the commercial vehicle causes an accident. Furthermore, commercial auto insurance pays for the parts repair or replacement if your lawn mowing business’s vehicle sustains damage. Last but not least, commercial auto insurance pays for the medical expenses of the driver and passengers who got injured after the commercial vehicle caused an accident or got involved in an accident. Note that commercial auto insurance can also be treated as riding lawn mower insurance since it’s required if a riding lawn mower is to be  taken for a run on public roads. 

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What is Lawn Mower Insurance?

Lawn mower insurance is a collective term for different coverages not for the lawn care business but for the lawn mower it owns. Let’s discuss the different types of lawn mower insurance that most carriers underwrite. 


Lawn Mower Theft Insurance

Lawn mowers can’t only get stolen while in the premises of your business. Consider the following situations:

  • Employees might be negligent and lawn mowers can be stolen by somebody

  • Someone might run off with the lawn mowers while your employees are taking their lunch or snack somewhere


Lawn mower theft insurance recoups losses if thieves manage to successfully get their hands on your lawn care business’s lawn mowers. Moreover, this type of lawnmower insurance will provide coverage for repair costs if the theft didn’t result in a loss but only damaged your business’s lawn mowers’ parts. 

Note that some insurance companies underwrite lawn mower theft insurance that provides a replacement unit if the stolen or damaged lawn mower of your business is less than three years old. 


Equipment Breakdown Insurance for Lawn Mowers

Another useful lawn mower insurance policy is equipment breakdown insurance. Equipment breakdown insurance for lawn mowers kicks in if covered lawn mowers sustains damage or becomes totaled due to operator error, mechanical burnout, electrical surges, impact, and other covered perils. 


Property in Transit Insurance for Lawn Mower 

Of course, lawn mowers have to be hauled or else they wouldn’t reach project sites. A lot can happen while the lawn mowers of your business are in transit. For instance, a vehicular accident might happen and the lawn mowers will sustain damage or become lost.

To cover such an exposure, consider purchasing property in transit insurance for lawn mower. When added to lawn care business insurance quotes, this type of lawn company insurance will recoup the value of lawn mowers that become lost or damaged while being transported to and from a project site. 


Inland marine insurance doesn’t provide protection while your lawn mower is being transported by a water vessel. And so, if a project site is on an island or any other place where water has to be crossed, you’ll need to purchase and place ocean marine insurance on lawn mowers owned by your lawn care business.


Lawn Care Equipment Insurance

Lawn care equipment insurance is a tailored coverage fusing the functions of theft coverage and equipment breakdown insurance. Aside from the lawn care equipment you own, this also covers rented or borrowed pieces.  You can only buy this insurance as a stand-alone coverage. 


Personal Lawn Mower Insurance 

There’s no such thing as a tailored personal lawn mower insurance. However, if you’re using a lawn mower, otherwise called a lawn tractor,  for personal purposes and want to insure it, then you can use a homeowner’s insurance policy as a personal lawn tractor insurance. 

Homeowner’s insurance has contents coverage. Contents coverage recoups losses if personal property is damaged or destroyed due to theft, fire, and other covered perils.  You can name your lawn mower on its terms to recover losses should something happen. Note that contents coverage only covers small lawn mowers and not riding mowers. For riding mowers, you need ride on mower insurance products.


Ride On Lawn Mower Insurance

A homeowner’s policy can be used as a ride on lawn mower insurance but only to a certain extent. Coverage only applies when:

  • The ride on lawn mower is damaged or lost while being kept in the house

  • The ride on lawn mower got damaged or lost due to perils covered by homeowner’s insurance 

No insurance companies in the USA sell a specialized insurance program for ride on lawn mowers. But say, if your lawn care business is utilizing ride on lawn mowers, then you can get them insured using theft insurance, inland marine insurance, or equipment breakdown insurance. 

Another thing, riding on mowers are considered motor vehicles the moment they’re traversing public roads. And so, you need to  cover them with short-term or long term auto insurance to comply with traffic regulations. 


Zero Turn Mower Insurance

No insurance companies sell a specialized zero turn mower insurance product. If you’re using a zero turn mower for personal purposes, then you can get it covered through a homeowner’s insurance. On the flip side, if you want to insure the zero turn mowers of your lawn mowing business, do so using equipment breakdown insurance and theft insurance for zero turn mower.


Garden Tractor Insurance

Garden tractor insurance is available as a stand-alone policy sold as a long term insurance plan offering general liability insurance, auto liability coverage, and equipment breakdown insurance. On a side note, a homeowner’s insurance can also function as insurance for garden tractors due to its contents insurance coverage.  


Garden Machinery Insurance

There’s no specialized garden machinery insurance as of the moment. Gardening equipment used for personal purposes can be insured under a homeowner’s insurance policy. Those used commercially can be insured through a gardening contractor tools and equipment insurance policy, which recoups losses if damage or loss is incurred due to theft, fire, vandalism, and other covered perils. 


Short Term Lawn Care Liability Insurance 

Short term lawn care liability insurance pertains to a general liability policy sold as:

  • One day lawn care liability insurance 

  • Hourly lawn care liability insurance 

  • Monthly lawn care liability insurance


Lawn Care Liability Insurance by The Hour 

Lawn care liability insurance by the hour is usually sold as a general liability insurance policy. The function is still the same. What makes hourly lawn care liability insurance is that premiums are calculated based on how many hours you want to get covered. For example, if coverage is $34 per hour and you want to get covered for 12 hours, then the premium will be $408. 

Hourly lawn care liability insurance is perfect for individuals who mow lawns as an occasional side gig. But know that it’s also possible for lawn care companies to buy lawn care liability insurance hourly basis if they lack adequate coverage to comply with the insurance requirements of a project contract. 


Lawn Care Liability Insurance for One Day 

Lawn care liability insurance for one day, also called 24 hour lawn care liability insurance, is a one-day general liability policy having optional policies. Lawn care liability insurance by the day determines premiums based on how many days you want to be covered. For example, if lawn care liability insurance daily basis costs $43 and you need insurance for three days, then premiums will be $129. 

So what are the optional policies in lawn care liability insurance for a day? Add-ons are products and completed operations, and equipment and tools coverage.


Lawn Care Liability Insurance by The Month 

Lawn care liability insurance by the month is a general liability policy that, as the name implies, only lasts for a month. Monthly lawn care liability insurance has the same optional policies as a one day lawn care liability insurance. Optional policies in lawn care liability insurance monthly basis are products and completed operations coverage, equipment and tools coverage. 

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How Much is Insurance for A Lawn Care Business?

Premiums cost $48 per month or $576 per year. There are many factors to look into when figuring out how much is insurance for a lawn care business. Your choice of carrier significantly affects how much is lawn care business insurance. Take a look at the following tables showing how much does lawn care insurance cost from different carriers:

Pricing of Companies Selling Long-Term Lawn Care Insurance

CompanyCost per monthCost per yearBest for
NEXT$38$456Lawn care insurance with policy bundle discounts
Geico$40$480Affordable lawn care insurance coverage sold as a BOP
State Farm$45$540Insuring personal lawn mowers
Progressive$48$576Large lawn care businesses


Pricing of Companies Selling Hourly, Monthly, or Daily Lawn Care Insurance


Monthly Lawn Care Insurance CostHourly Lawn Care Insurance CostDaily Lawn Care Insurance CostBest for
Thimble$49$5$15Hourly, monthly, or daily lawn care insurance you can pause or cancel anytime
Hiscox$49$5$15One day, hourly, or monthly lawn care general liability insurance or professional liability insurance
The Hartford
$10$26Lawn care and landscaping businesses


Pricing of Companies Selling Custom Lawn Care Insurance


Cost per MonthCost per YearBest for
CoverWalletContact a CoverWallet agent for accurate pricingContact a CoverWallet agent for accurate pricingCustom lawn care insurance and insurance quotes comparison online
Insurance Canopy$28$336Custom lawn care insurance with flexible payment options


While we’ve already provided you with the pricing of different companies, it’s better for you to research the cost yourself to get a firmer grip on how much does insurance cost for a lawn care business. And so, compare lawn care insurance quotes online for free by clicking the “Get Quotes” button on this page. Don’t hesitate to look at numerous quotes because doing so will help you find the best lawn care insurance at the cheapest rate.

There’s no general consensus on how much is insurance for lawn care business. And so, the figures we provided are just estimates. Actual rates vary from one policyholder to the next. Carriers use the following when determining the individual lawn care insurance cost of each customer:


Location

Location significantly affects how much is lawn care insurance. And so, this is the reason why one of the first steps in buying insurance online or from an agent is to provide accurate information about the location of your lawn care business.


Business Experience

Business experience affects how much is insurance for lawn mowing business. The general rule is that carriers will provide more expensive lawn care insurance prices for businesses only having 1-3 years experience as compared to businesses having 5-8 years experience.


Revocation of Previous Insurance Policies

Lawn service insurance rates are more expensive for lawn care businesses whose previous insurance policy has been canceled in the last three years or so. This is why it’s highly advised to follow the exclusions in your policy’s fine print to avoid experiencing hefty lawn care business insurance costs.


Revenue

Business revenue is another determinant of lawn care insurance costs. When a lawn care business generates a lot of income, then business operations are thriving. And this ultimately means that specific exposures (e.g. third-party lawsuits or workplace accidents) are more likely to happen. In other words, as for the factors that affect what insurance does lawn service cost, higher revenue is tantamount to having higher rates. On the flip side, low revenues mean cheap premiums.


Claims History

Another determinant of lawn mowing insurance prices is claims history. If you’ve submitted a claim in the past three years, then expect the lawn mowing insurance cost to be 3%-5% more expensive than usual. This is why many insurance companies are willing to reduce insurance costs for lawn care business that have risk management programs in place.


Number of Employees

The number of employees significantly affects your lawn mowing business insurance cost. The rule of thumb is that the average insurance cost for lawn service is expensive if there are 20+ employees.


Owned or Rented Commercial Building

Lawn business insurance prices take the type of ownership of the commercial building into account. Own the commercial building and you’ll enjoy cheap lawn care insurance. This is because payouts are cheaper if you own the commercial building as opposed to when you’re renting.


Lawn Mower Insurance Cost

Lawn mower insurance cost depends on which specific types of lawn mowing insurance coverage you decide to purchase. For example, lawn mower theft insurance can be as low as $15-$47 per month or $180-$564 per year. On the other hand, equipment breakdown insurance for lawn mowers starts at $32.15 per month or $385.8 per year


How Much is Liability Insurance for A Lawn Care Business?

So how much is liability insurance for a lawn care business? The cost of a basic $1 million general liability coverage is $48 per month or $576 per year. Your lawn care liability insurance cost will increase the moment you decide to add optional coverages.



Compare Lawn Care Insurance Quotes Online

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Best Lawn Care Insurance Companies 

Here’s a review of the best lawn care insurance companies. Note that this section is divided into three parts:

  • Review of  lawn care insurance companies with the best long term lawn care insurance

  • Review of companies with the best one day, hourly, or monthly lawn care insurance

  • Review of companies with the best customized lawn care insurance


Best Companies for Long Term Lawn Care Insurance


NEXT Lawn Care Insurance

Pros

  • Get covered online

  • Get instant proof of insurance and send it as a text message, email, or social media post

  • Bundle policies and get a 10% discount

Cons

  • Some customers reported that NEXT increased their rates without proper notice

NEXT’s lawn care insurance includes general liability, workers compensation, and commercial property insurance. The company also offers optional tools and equipment coverage if you want to insure your work tools.

NEXT underwrote its workers compensation insurance comprehensively. The workers compensation insurance NEXT’s customers get comes with employer’s liability insurance. You’ll find it advantageous to have employer’s liability insurance together with workers comp because it’s a coverage that shoulders costs if employees file a claim and accuse you of delaying or failing to provide work benefits.

NEXT allows you to get an instant certificate of insurance and send it to the client as a text message, email, or social media post. You can also pay for insurance and add or cancel insurance policies online. Another thing, if you bundle two or more policies, NEXT will give you a 10% discount on premium rates.

NEXT’s lawn mowing insurance cost $38 per month or $456 per year provided that you only decide to purchase a $1 million general liability insurance. 

Best for: Lawn care insurance with policy bundle discounts

Average cost: $38 per month

Our rating: 8/10

 

Geico Lawn Care Insurance

Pros

  • Preferential rate on BOPs

  • Affordable

  • Good customer service

Cons

  • Slow online quotes

Geico has been in business since 1936, and the company was founded as the Government Employees Insurance Corporation. While Geico is mainly known for its commercials and auto insurance, the company also provides insurance for lawn care business. 

Geico lawncare insurance isn’t available under a particular policy but rather through their umbrella general liability insurance for businesses. Geico also offers BOPs for lawn care businesses looking to cover their commercial property along with their general liability coverage.

Note that you can’t buy a specialized Geico lawn mower insurance. Geico doesn’t sell equipment breakdown insurance or theft coverage for commercial lawn mowers.

Geico’s lawn care business insurance cost $40 per month or $480 per year provided that what you’re purchasing is a $1 million general liability coverage.

Best for: Affordable lawn care insurance coverage sold as a BOP

Average cost: $40 per month

Our rating: 7/10

 

State Farm Lawn Care Insurance

Pros

  • Wide range of add-ons

  • Separate policies for contractors and small businesses

  • Quick claims response time

Cons

  • Pricey

State Farm is one of the largest providers of insurance in the United States, and the company has been in business for almost 100 years. Much like Geico, State Farm is better known for its auto insurance policies, but they also offer commercial landscaping insurance and insurance for lawn mowing business.

State Farm lawn care insurance is available either through their service contractors policy or their small business policy.

You can’t buy a specialized State Farm lawn mower insurance right now to cover the lawn mowers of your business. However, if you’re just a homeowner who want to insure his or her lawnmower, then you can get covered by buying State Farm’s homeowners insurance and adding a personal articles policy to it. 

Best for: Insuring personal lawn mowers

Average cost: $45 per month

Our rating: 6/10

 

Progressive Lawn Care Insurance

Pros

  • Commercial auto insurance for lawn care businesses is very comprehensive

  • If you’re required to do state filings, then Progressive can give you a helping hand

Cons

  • Premiums for customers with prior claims can very expensive

Progressive’s lawn care insurance offers general liability insurance and commercial auto insurance. You’ll find this company’s business auto insurance very useful for insuring your lawn care company's pickup or utility van. Coverages in Progressive’s commercial auto insurance for lawn care businesses are auto liability, physical damage coverage, and emergency roadside assistance.

This company offers additional protection such as workers comp insurance, which you can endorse to your existing policy. There’s even a business owner’s policy if you want bundled coverage from Progressive. The average cost of lawn care insurance from this company is $48 per month or $576 per year. 

By the way, you can purchase Progressive lawn mower insurance right now. This comes in the form of an equipment breakdown coverage the company underwrites for lawn care, landscapers, and other related businesses. 

Best for: Large lawn care businesses

Average cost: $48 per month

Our rating: 5/10


Best Companies for Customized Lawn Care Insurance


CoverWallet Lawn Care Insurance 

Pros

  • Custom plan offers more than 10 types of business insurance products

  • Cheap rates

Cons

  • The help of an agent is always needed if you opt for this company’s custom lawn care insurance

CoverWallet allows you to customize your lawn care insurance. Insurance options are commercial property, general liability, equipment breakdown, inland marine insurance, and more. Note that if you opt for a custom policy, you will be provided with a CoverWallet agent that helps figure out the most comprehensive and suitable combination of insurance coverage for your lawn care business. 

Aside from a custom lawn maintenance insurance plan, CoverWallet also sells a customized lawn care liability insurance. You have two options - go for a general liability having products and completed operations coverage only or get the general liability insurance bundled with commercial property insurance. 

Contact a CoverWallet representative to know how much its custom lawn service insurance cost.

Best for: Custom lawn care insurance and insurance quotes comparison online

Average cost: Contact a CoverWallet agent for accurate pricing

Our rating: 10/10


Insurance Canopy Lawn Care Insurance

Pros

  • Flexible payment options 

  • Underwrites tailored insurance for lawn equipment which can be added or removed anytime to your lawn care insurance plan 

Cons

  • Doesn’t offer general liability insurance with custom coverages or limits 

Insurance Canopy is another company that offers custom lawn care insurance. Policies you can include to your lawn care insurance plan are general liability and cyber liability insurance.  Note that this company provides comprehensive coverage for your lawn mowers through its lawn equipment insurance. Insurance Canopy’s custom lawn mowing business insurance cost $28 per month or $336 per year. 

Best for: Custom lawn care insurance with flexible payment options

Average cost: $28 per month for its custom lawn care insurance

Our rating: 9/10


Best Companies for One Day, Hourly, or Monthly Lawn Care Insurance 


Thimble

Pros

  • Sells an hourly, monthly, and one day lawn care insurance

  • You can decide to have zero deductibles on your general liability insurance policy

  • ACORD 25 certificate of insurance 

Cons

  • You can’t reach customer service by calling 

Thimble sells lawn care insurance by the hour, day, or month. Regardless of which one you choose, the offer is the same. This company’s lawn care insurance for one day, hour, or month provides you with a general liability insurance having a business equipment coverage. 

This company’s hourly lawn care insurance as well as the daily or weekly varieties has zero deductibles and provides $1 million - $2 million coverage.  On the other hand, the optional business equipment coverage in its hourly, daily, or monthly lawn care insurance gives you a maximum of $5,000 if work equipment worth more than $2,500 needs to be repaired or replaced. 

Note that Thimble’s lawn care insurance hourly basis as well as its monthly or daily varieties can’t be added with commercial property or workers compensation insurance. To get these, you need to switch it to an annual policy. 

Best for: Hourly, monthly, or daily lawn care insurance you can pause or cancel anytime

Average cost: $49 for a monthly general liability insurance, $5 for an hourly general liability insurance, $15 for daily general liability insurance

Our rating: 9/10


The Hartford 

Pros

  • Sells lawn care insurance by the day in partnership with Putty

  • Fast online quotes 

Cons

  • Only sells hourly or one day lawn care insurance, doesn’t underwrite it 

The Hartford sells lawn care insurance for a day. But note that this is a one day general liability coverage underwritten by Putty. In other words, The Hartford sells lawn care insurance by the day but doesn’t necessarily underwrite it. Eligible customers are construction businesses, lawn care and landscaping businesses, plumbers, and electric contractors.  You can also decide to get covered for an hour. But that’s it. The Hartford doesn’t sell lawn care insurance monthly basis in partnership with Putty as of the moment. 

Best for: Lawn care and landscaping businesses

Average cost: $10 for an hourly general liability insurance, $26 for daily general liability insurance

Our rating: 8/10


Hiscox

Pros

  • Sells 24 hour lawn care insurance as well as monthly or daily lawn care insurance in partnership with Thimble 

  • Highly rated by AM Best and BBB

Cons

  • Complaints from customers are too many considering Hiscox is a reputable carrier 

Hiscox sells lawn care insurance by the month, hour, or day in partnership with Thimble. According to the company, its lawn care insurance daily basis as well as monthly or hourly is a general liability or professional liability policy that’s available to the 120 small businesses it caters to. 

Best for: One day, hourly, or monthly lawn care general liability or professional liability insurance

Average cost: Same pricing as Thimble 

Our rating: 8/10


Frequently Asked Questions


Do I Need Insurance To Mow Lawns?

Do I need insurance to mow lawns? Great question. For small projects, then insurance might not be required. However, if you're eyeing the lawn mowing projects of commercial establishments then you must have insurance to win the bid. That said, the answer to the question of do you need insurance to mow lawns is-it depends on the client and the scale of his or her project. 


Do You Need Insurance for A Lawn Care Business?

Do you need insurance for a lawn care business? Insurance isn’t required for starting a lawn care business unless you have employees and in such a case, you need to purchase a particular coverage for them. If you’re asking, “do I need insurance for lawn care business to run smoothly?”, then the answer to that is an absolute yes. 


What Insurance Do I Need for A Lawn Mowing Business To Run Smoothly?

What insurance do I need for a lawn mowing business to run smoothly? - another great question. General liability and surety bond are the most essential types of insurance needed for lawn care business. 

To further answer your question about “what type of insurance do I need for a lawn care business; know that if you have employees,  workers compensation insurance is also required. Also, if your business owns a commercial vehicle, don’t think twice about getting commercial auto insurance. 


Can You Insure A Lawn Mower?

So can you insure a lawn mower? As said earlier, you can use equipment insurance, theft insurance, and homeowner’s insurance with contents coverage to insure a lawn mower. In the case of a ride on lawn mower, you can even insure that with commercial auto insurance provided that it will be traversing public roads. 


What is The Best Insurance for Lawn Care Business?

Protection begins with general liability insurance. Therefore, we can treat it as the best insurance for lawn care business. Moreover, it’s scalable. In fact, you can customize your lawn care liability insurance by adding optional policies to it. 


How To Insure A Lawn Care Business?

How to insure a lawn care business by the way?  Property and casualty insurance companies are your only option. If no lawncare and grass insurance company is willing to provide coverage, then you can also decide to self-insure. 


How To Get A Commercial Lawn Service Insurance?

The following are your options in how to get a commercial lawn service insurance:

  • Find a local insurance agent and get covered

  • Look for an online insurance company or insurance broker and get covered on your own

  • Ask banks if they sell the insurance of a particular carrier 


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