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Insuranks

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.

Cheap Business Insurance Near Me

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:

CompanyCost per monthCost per yearBest for
Coverwallet$23$276Quote Comparison
Thimble$26$312Insurance on the go
Next$38$456Fastest Policy
Geico$40$480Affordable BOP
State Farm$45$540Customized Policy
Progressive$48$576Large Lawn Business


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.

Related: 

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

A cheaper form of insurance for lawn care service is a business liability insurance for grass cutting. These policies are typically purchased by individuals or contractors who work independently and don’t need the comprehensive coverage offered by other insurance for mowing business policies.


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.


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.

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.

CompanyCost per monthCost per yearBest for
Coverwallet$23$276Quote Comparison
Thimble$26$312Insurance on the go
Next$38$456Fastest Policy
Geico$40$480Affordable BOP
State Farm$45$540Customized Policy
Progressive$48$576Large Lawn Business

Please find reviews of 2 of the best lawn care insurance companies in America below.

Geico Lawn Care Insurance

Geico has been in business since 1936, and the company was founded as the Government Employees Insurance Corporation. While Geico is mainly known for their commercials and auto insurance, the company also provides insurance for landscape business as well as other niche clients.

Geico Policy Details

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.

Pros:

  • Preferential rate on BOPs

  • Affordable

  • Good customer service

Cons:

  • No specific add-ons for landscaping

Average cost: $40

Best for: Affordable landscape insurance coverage on a BOP

State Farm Lawn Care Insurance

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 their auto insurance policies, but they also offer commercial landscaping insurance and insurance for lawn mowing business.

State Farm Policy Details

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 business 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.

Pros:

  • Wide range of add-ons

  • Separate policies for contractors and small businesses

  • Quick claims response time

Cons:

  • Pricey

Average cost: $45

Best for: Customized landscape gardeners insurance policies

Compare Lawn Care Insurance Quotes

Get all the best quotes from leading providers in a click of a button!

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