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.
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:
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 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 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.
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:
Violation of good faith
Violation of fair dealing
Breach of confidentiality
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.
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.
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:
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 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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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 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.
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.
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 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.
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.
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.
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 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.
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 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 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, 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 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.
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
|Company||Cost per month||Cost per year||Best for|
|NEXT||$38||$456||Lawn care insurance with policy bundle discounts|
|Geico||$40||$480||Affordable lawn care insurance coverage sold as a BOP|
|State Farm||$45||$540||Insuring personal lawn mowers|
|Progressive||$48||$576||Large lawn care businesses|
Pricing of Companies Selling Hourly, Monthly, or Daily Lawn Care Insurance
|Monthly Lawn Care Insurance Cost||Hourly Lawn Care Insurance Cost||Daily Lawn Care Insurance Cost||Best for|
|Thimble||$49||$5||$15||Hourly, monthly, or daily lawn care insurance you can pause or cancel anytime|
|Hiscox||$49||$5||$15||One day, hourly, or monthly lawn care general liability insurance or professional liability insurance|
|The Hartford||$10||$26||Lawn care and landscaping businesses|
Pricing of Companies Selling Custom Lawn Care Insurance
|Cost per Month||Cost per Year||Best for|
|CoverWallet||Contact a CoverWallet agent for accurate pricing||Contact a CoverWallet agent for accurate pricing||Custom lawn care insurance and insurance quotes comparison online|
|Insurance Canopy||$28||$336||Custom 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 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 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.
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.
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.
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.
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.
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 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
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.
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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
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
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
Preferential rate on BOPs
Good customer service
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
Wide range of add-ons
Separate policies for contractors and small businesses
Quick claims response time
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
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
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
Custom plan offers more than 10 types of business insurance products
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
Flexible payment options
Underwrites tailored insurance for lawn equipment which can be added or removed anytime to your lawn care insurance plan
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
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
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
Sells lawn care insurance by the day in partnership with Putty
Fast online quotes
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
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
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
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? 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? - 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.
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.
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 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.
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
Lonnie Bell Insuranker
Policy Type: Business Insurance
Company name: Employers Insurance
Use anyone except Employers. Period. They are non-transparent and shameful. After I complained long enough to warrant a call from a supervisor, the supervisor called back from a PRIVATE NUMBER (no caller ID), left a message that they are not reversing their decision (without any communication with me), and failed to leave a phone number for me to call back. She was hiding! They also fact find via email and phone calls, which is terrific for speed and communication. However, after setting a precedence of email or phone calls, they send time sensitive information via email, without any heads up... they are hoping you miss it and forfeit via expiration. Evil policies. Go elsewhere.
This place is an absolute joke of a company and should be ashamed of the way they conduct business. I was hurt on the job at the end of July and it took them just shy of 7 weeks to issue out a paycheck to me. Yes the amount was back dated but still. Not many have the luxury of not receiving a paycheck for almost 2 months. To top it all off, the original adjuster marked me down for the wrong state which caused a problem from the get go, I've had 3 different adjusters now since each one can't seem to figure out the simplicity of my claim. All my paperwork which includes, my job, house, and drs visits all are from the same state and city but yet some how I have been filed under a completely different state 1500 miles away. They do not answer your phone calls or emails no matter how many you leave. I've had to escalate my frustrations to the supervisors of each of these individuals in order to even get some kind of response. I've had more communication and information given to me about my claim from the customer service representatives then the actual adjusters.......... please tell me how that works?! A serious overhaul needs to happen here in order to serve your clients the way they deserve to be taken care of. 10/10 do not recommend this company to a single soul on earth
I have never had the displeasure of working with a more incompetent and disrespectful person in my life. I’m an injured worker and the adjuster that was assigned to my case was named Carrie Furgeson. In the past 6 weeks that I’ve been injured and out of work I have only been able to get ahold of her twice, not for lack of trying. I have left countless voicemails, countless emails, and she ignores them all. When I am finally able to get ahold of her I’m greeted with terrible customer service. She is rude, she talks over me and I’m hardly able to get a word in edgewise. She spelled my name wrong on my documents even after I spelled it for her properly countless times, this caused a whole new issue with my bank. I have bill collectors from the hospital calling me demanding payment and Carrie Furgeson won’t do a single thing to help, or to get them paid. All of my documentation is in Colorado, my job is in Colorado, my address is in Colorado, all my Dr offices and appointments have been in Colorado and Carrie still managed to hold my claim because she wasn’t sure what state she needed to file it under. It’s been 6 weeks since my Injury and my company still hasn’t received the wage paperwork to fill out so they can get me my correct wages. When she’s not ignoring me she’s answering my questions with “I don’t know” well I don’t know how she got this job, because apparently she doesn’t know anything about it. She is a disgusting morose individual inside and out and I genuinely wish her the worst in all of her future endeavors. I highly recommend you don’t use this company. Please if you are a business owner and your looking into this company please don’t use them. I’m sure they have the cheapest payment and that’s why companies use them in the first place, but you will be doing your employees a grave disservice by forcing them to venture into this absolute dumpster fire of a company. I would rate 0/5 if possible but 1 was the lowest I was allowed.
Their general liability insurance purchase process is simply the best online experience I've ever had in my life!
As long as they cover your line of business, you're literally covered! best rates, best coverage, best online experience, best professionals, can't be happier that I chose them!