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Lawn Care Insurance, Landscaping & Lawn Mowing Insurance

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Whether you’re hiring a handyman to put up a fence or a landscaper to ensure that all of your hedges are in order, keeping your yard in tip-top shape is always worth the money and effort. However, businesses like these need sufficient insurance so that they don’t end up in a difficult position because of a lawsuit.

Today, we’re going to take a look at everything you need to know about lawn care insurance. We’ll cover some of the best lawn care business insurance companies in America and we’ll also discuss the average lawn care insurance cost. Finally, we’ll explore the various types of lawn mower insurance coverage options that you can opt for and give you some more options for lawn business insurance that you might have not think about.

Liability Insurance for Landscaping and Lawn Care Business and Landscapers

Lawn care liability insurance is one of the most common types of lawn care company insurance because they cover a variety of risks that can potentially torpedo a business. There are a few types of landscape company insurance liability policies, including public and general liability.

General Liability Insurance for Lawn Care Business

General liability insurance for lawn business is one of the more popular types of lawn care business insurance because it covers it from more risks than a public liability insurance policy. Whereas a public liability insurance policy only protects you from property damage and bodily injury liability lawsuits from members of the public, general liability insurance for lawn mowers will protect your business from everyone, including business owners, employees, public members, vendors and others.

This kind of insurance for lawn service will apply if a passer-by or client ends up getting injured or sustaining property damage during a job, but it will also apply to a company’s employees. 

Fortunately, the average cost of lawn care insurance for a standard general liability insurance policy is affordable for large to small lawn care businesses, which is what we will discuss in the next section.

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Lawn Care Insurance Cost

The average insurance cost for lawn care business depends on a wide range of risk components that the insurance company will closely explore. For example, the size of your business will dramatically affect your lawn service insurance cost because it increases the risk of something going wrong since the business will likely be taking on more jobs over the course of a year.

Your lawn mowing business insurance cost will also vary based on your company’s history. If the insurer sees that you make mistakes while doing jobs pretty frequently and get sued for it, which results in more claims filed on your policy, then they’ll charge you quite a bit more for your lawn mowers insurance policy.

That said, the average lawn care insurance cost for lawn mower businesses is about $48 per month, or $576 per year, for a standard general liability insurance policy.

To get the following average lawn mowing insurance prices from some of the best lawn care insurance companies out there, we used a medium-sized lawn mowing business that has a clean sheet with no prior claims, so these should be reference values for lawn care business insurance cost:


Company Cost per month Cost per year Best for
CoverWallet $16 $192 Quote Comparison
Thimble $17 $204 Short-term lawn care insurance
NEXT $38 $456 Lawn care insurance with policy bundle discounts 
Geico $40 $480 Affordable BOP
State Farm $45 $540 Customized Policy
Progressive $48 $576 Large Lawn Business


How to Save Money on Premiums?

The first method, and perhaps the easiest to do and follow, is to pay a high deductible on your lawn care insurance policy. A deductible is the amount you’ll give to the insurance company once your claim has been processed. For example, if you have a $1,000 deductible and you asked the insurance company to give you $40,000 from your general liability insurance, you’ll have to return $1,000 and the amount you’ll finally have will only be $39,000.

The second method is to ask for discounts. Carriers have different discount options. For example, it’s possible for you to get cheaper rates if you haven’t made a claim before, have a good business history, or are currently enrolled in risk management programs. 

The third method is to go for a business owner’s policy. A business owner’s policy combines general liability and commercial property insurance. It’s cost is significantly cheaper than buying general liability and commercial property separately. As a plus, it’s also easier to endorse additional coverages in a business owner’s policy. 

Lawn Care Insurance Requirements 

The US doesn’t have any laws laying down any insurance requirements that lawn care businesses need to have.  However, almost all contracts require the lawn care business to get a particular amount of insurance coverage for the client’s safety. Lawn care businesses usually need to get a $1 million general liability insurance. Some clients  might only request the purchase of a $500,000 general liability coverage. 

Lawn Mower Theft Insurance

One of the more common forms of lawn mower insurance is theft coverage, which kicks in if your lawn mowing equipment ends up getting stolen. While lawn equipment insurance may be worth it for smaller lawn mowers as it is more affordable, lawn mower theft insurance for larger businesses may cost multiple thousands of dollars a year, making them relatively expensive. However, since your lawn equipment IS your business, sometimes you have no other option but to insure it, just in case it gets stolen or just damaged. This may save you the costs of buying new equipment or repair in such occasions, which may become an expensive business on its own. 

Lawn equipment insurance cost may range from $13 a month to several hundreds of dollars per month, for your consideration. Just be sure to compare quotes and pick the best offer from a reliable insurer.


Lawn Tractor Insurance

Yet another form of insurance for lawn equipment is lawn tractor coverage, which applies for larger tractors and mowers that you may have to use while tackling larger properties. While this landscape insurance cost is relatively high, that’s mainly due to the high value of the tractors being insured .

So what are the kinds of protection lawn tractor insurance offers? A typical lawn tractor insurance consists of general liability insurance and equipment insurance. 

While using your lawn tractor, you might accidentally injure someone or cause property damage. Of course, the injured person or property owner will ask you to reimburse their loss. General liability insurance can help you in this situation. It gives you $1 million - $2 million so that you don’t use your own money to settle the matter. If things are taken to court, then general liability will help you pay the attorney. It will also shoulder other legal costs. 

Equipment insurance, on the other hand, covers repair costs if your lawn tractor gets damaged because of theft, vandalism, fire, and other named perils. By the way, equipment insurance doesn’t cover normal wear and tear. Also, ask the agent if the battery and tank of your lawn tractor are also covered. 

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Bobtail Insurance

Farm Tractor Insurance


Zero Turn Mower Insurance

Zero turn mower garden maintenance insurance is typically handled through a lawncare equipment policy of the same type that applies for tractors and smaller mowers. Once again, due to the higher price of most zero turn mowers, you can expect to deal with a higher mowing insurance cost for one of these policies.


Grass Cutting Insurance

This policy is typically purchased by individuals or contractors who work independently and don’t need the comprehensive coverage offered by other insurance for mowing business policies.

This tailored type of lawn care insurance offers business liability insurance for grass cutting and equipment coverage. 

Grass-cutting business liability insurance comes in two types - general liability and professional liability insurance. General liability insurance covers costs if you cause injuries or property damage while using the grass cutter. On the other hand, professional liability insurance covers costs if clients file a claim because you committed or allegedly committed negligence. 

Equipment coverage covers the cost of maintaining your grass cutter. You can use this insurance to buy grass cutter spare parts. It will also cover repair costs. 

If you own more than one grass cutter, then note that there’s no need to insure them separately. Equipment coverage can insure multiple grasscutters. Just be sure to list or name each grass cutter on the insurance contract’s terms. 

Landscaping and Tree Service Insurance

Landscaping and tree service coverage is usually a little more expensive because of the larger scale of most of these operations. A larger business means that lawn mowing business insurance will be more expensive, and since many of these businesses have multiple employees working on a job at once, rates are higher.


Landscape Contractors Insurance

If you’re looking for a lower lawn care business insurance cost, then landscape contractors insurance is one of the most affordable options that may be suitable for you if this is what you do. Since contractors often operate independently and don’t have too much equipment, this kind of lawn company insurance won’t set you back as much.

So what are the inclusions in landscape contractor’s insurance? Usually, policies included are general liability insurance, professional liability insurance, and commercial auto insurance. 

General liability insurance covers costs if the landscape contractor damaged the client’s property instead of beautifying it. It will also cover personal injury claims in the event that a landscape contractor injured someone while working. 

Professional liability insurance, on the other hand, shoulders costs if the landscape contractor caused economic or financial losses to the client by being negligent, offering erroneous advice, and so on. 

A landscape contractor’s personal car used in business can be covered with commercial auto insurance. Commercial auto insurance can offer protection against liability for vehicular accidents, physical damage to the vehicle, and the cost of towing, gas delivery, or battery jumpstart service. 

Workers compensation insurance isn’t included in landscaper insurance products. However, this can be endorsed. Workers comp coverage can be very useful if the landscape contractor works with assistants. The function of this policy is to give an allowance to injured employees. In addition, sub-contractors can get covered too provided that they’re listed as additional insureds. 

Do Landscapers Need Insurance?

After looking at lawn mowing insurance prices, many professionals wonder whether lawn maintenance insurance is even worth it. Insurance for small landscaping business clients is usually a sign of how much customers can trust you, so it will result in a business getting more jobs and being protected in case something goes wrong during a job.

While lawn care service insurance is rarely ever required by law, many businesses believe that it’s a wise investment. Furthermore, many customers will look for licensed and insured lawn care businesses to regularly work with on a peaceful mind, knowing that the business is covered in case some damage is caused to them.

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Best Lawn Care Insurance Companies

Before looking for lawn care insurance quotes to get the best insurance for lawn care business, it’s always a good idea to see which garden maintenance insurance carriers are available in your area. The best insurance for landscapers depends on the company you work with since that will influence their claims responsiveness as well as the cost of insurance for landscaping business, whether you require 24 hour lawn care liability insurance or just a one day lawn care business insurance coverage. To compare lawn care and landscaping insurance quotes and coverage options online from all the best lawn care insurance companies in America, have them compete on your business and give you their best deal for your specific business, click the 'Get Quotes' button at this page and complete the process that follows.


CoverWallet Lawn Care Insurance

Pros

  • Get covered online without lengthy talks with an agent

  • Online live support

  • Four lawn care insurance options

  • Get free certificate of insurance online

Cons

  • Not an insurance broker but a carrier selling the quotes of its partners

CoverWallet’s lawn care insurance is available for mowers and landscapers. Insurance options from this company are general liability coverage only, general liability, commercial property, business owner’s policy with workers compensation, and customized insurance. Work with CoverWallet because it offers free certificates of insurance and online policy management solutions.

Best for: Lawn care insurance quotes comparison online

Average cost: $16 per month

Our rating: 10/10


Thimble Lawn Care Insurance

Pros

  • Get covered for only hours, days, or weeks

  • Purchase insurance online

  • Get instant proof of insurance in PDF format

Cons

  • Claims can only be filed and tracked online

Thimble’s lawn care insurance includes general liability coverage. But if you want to get more protection, the company allows you to add stand-alone policies such as business equipment insurance and commercial property insurance.

This company’s business equipment coverage can give you a maximum of $5,000 if work equipment worth more than $2,500 needs to be repaired or replaced. On the other hand, if you own or rent a commercial building, Thimble’s commercial property insurance can pay for maintenance.

Just like CoverWallet, claims are filed online with Thimble. Thimble also offers instant online certificates of insurance. To get a copy, just install the company’s mobile app on your phone. The best thing about CoverWallet is that you can get insured for hours, days, or weeks only.

Best for: Short-term lawn care insurance

Average cost: $17 per month

Our rating: 9/10


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 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 5% discount on premium rates.

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

  • No specific add-ons for landscaping

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 landscape business as well as other niche clients.

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

Best for: Affordable landscape insurance coverage on 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 landscaping insurance is available either through their artisan and service contractors policy or their small business policy. The best insurance for lawn care businesses through State Farm depends on the size of your business. For example, you can customize your coverage with loss of income, data compromise, and hired auto add-ons.

Best for: Customized landscape gardeners insurance policies

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 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.

Best for: Large lawn care businesses

Average cost: $48 per month

Our rating: 5/10

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