Lawn Care Insurance (Quotes, Cost & Coverage)

Call to start your quote:
(800) 821-2436

Get A Quote

Frequently Asked Questions About
Commercial General Liability Insurance

How much does commercial insurance cost?

Costs can vary widely based on industry and are also determined by zip code and often payroll and/or gross sales. Request a free quote to get an exact number.

What kind of business insurance do I need?

Most business owners need General Liability Insurance at the very least. If you have any non-owner employees, you will need workers compensation insurance too.

What is a Certificate of Insurance?

A Certificate of Insurance is proof of coverage. It lists the type and amount of liability coverage you have and other policy information when a third party requests it.

Is business insurance tax deductible?

Yes. you can deduct the cost of commercial insurance premiums. The IRS considers insurance a cost of doing business as long it benefits the business & serves a business purpose.

Protect your business - Fast & Affordable.

Quick quotes from top rated insurance carriers.

Request a Quote Now

Lawn Care Insurance

Lawn Care Insurance

Lawn Care Insurance. As a lawn care professional, you're aware of how important your service is to the community. Lawn maintenance services are required for public parks, private homes, and corporate exteriors. Lawn mowing, weeding, fertilizing and seeding are labor-intensive task that primarily involves maintaining the owner's yard as per their expectations. And, accidents happen in such a line of work.

You might be having an endless list of clients who clamor to hire you. But, just one unfortunate incident is enough to put you and your startup at risk for significant financial loss, regardless of whether you're a victim of happenstance or you're the one at fault. If you're a sole proprietor, you'd be held personally liable for damage or loss if you don't have a lawn care insurance policy. That could imply losing personal property, including your home, in some cases.

Lawn care insurance protects your business from lawsuits with rates as low as $27/mo. Get a fast quote and your certificate of insurance now.

Do You Need Lawn Care Insurance?

Insuring a lawn care business will protect it against accidents, property damage, lawsuits, and equipment failure, in addition to helping one focus on the primary task at hand. In fact, securing lawn care insurance is among the basic requirements for a business that offers commercial or residential property lawn care in most states. It ensures that you and your employees are protected. In case something goes wrong, having the proper insurance policy in place takes much worry and financial stress away.

Having a licensed insurance professional to guide you would an excellent way to help design the appropriate insurance package. There are multiple, different kinds of coverage plans which can help prevent costly accidents. As with most other businesses, a simple combination of property insurance, workers' compensation, and general liability is an excellent starting point. Furthermore, some of these basic policies are almost always required by state law and local municipal codes. The various kinds of insurance available for a lawn maintenance business are discussed below.

Types of Lawn Care Insurance Policies

General Liability Insurance - Your services entail working on a property that belongs to other people for the most of your day. As such, it's important to ensure your insurance package provides coverage for personal injury or property damages which could arise from the business operations.

General liability insurance guards you against lawsuits from clients, protecting you and your lawn care business against multiple forms of negligence. You can pair general liability insurance with other lawn care insurance coverage policies to cover the crucial bases.

Business Owner's Policy - People tend to overlook the fact that lawsuits can be incredibly costly. And, most small businesses barely budget enough to cover such costs. Once an accident occurs, you won't know how costly it'll be or how much damage it'll cause. Damaged equipment or lawsuits can financially ruin your business. A business owner's policy will help keep your business afloat during such difficult times as it combines general liability, commercial property and business income bundled in one lawn care insurance policy.

Property Insurance - Property insurance protects the premises, furniture, and other business equipment like phones, computers, copiers, and cabinets. This lawn care insurance policy will insure your business against loss or damage to structures used in regular business operations.

Workers' Compensation Insurance - Working in the landscape care and maintenance industry presents several safety risks. Accidents can happen, even to the most cautious person. Unexpected accidents can threaten your business, especially if you're not well insured. An injured employee might hold you responsible for medical fees and damages.

As an employer, you should carry a workers comp policy to protect the livelihood of both your business and employees. It is mandate in most states for any non-owner employees and is aimed at covering the cost of missed wages, medical bills, and legal fees that might be incurred after the occurrence of an accident.

Commercial Auto Insurance - Do you transport the equipment using your own vehicle? If so, then covering your vehicle would be beneficial to your business. Business auto insurance will help protect you against significant vehicle-related costs, including lawsuits that might arise from accidents. You can extend commercial auto coverage across other vehicles that are used in your business' day-to-day operations.

Umbrella Liability Insurance - Perhaps you work on high-priced real estate properties. In such cases, your clients might need higher insurance coverage. Umbrella/excess liability insurance will enable you to have a plan that has more lawn care insurance coverage without having to raise the premium of your general liability policy.

Inland Marine Insurance - Machinery and tools are your business' lifeline. And, lawn care services often involve much traveling. Securing inland marine insurance will help cover your equipment during transport. It'll ensure that you don't get caught in situations which would result in you needing to repurchase expensive equipment.

Additional Tips

  1. Obtain a package that's right for your style and size of business.
  2. Be prudent and seek adequate legal advice.
  3. If possible, set up automatic renewal policies on the primary lawn care insurance coverage types.
  4. Have the basic liability coverage policies in place at the beginning stages of your business if you're getting started.
  5. Aside from insurance, put a safety plan in place to ensure smooth, efficient business operations.
  6. Strive to fulfill the service agreements that your clients sign for.
  7. Revise your insurance options 2-3 times each year and seek legal advice for any blind spots or loopholes.

Lawn Care Insurance

After the above basic coverage policies, you can then review additional protection. Consider other kinds of coverage that you might need. Coverage of aspects like loss of income, mechanical breakdown, and other kinds of hazardous coverage would be worth consideration if your specific business' needs warrant it.

Lawn care insurance will save you from financial headaches that might arise in the future. Besides, having an ideal insurance package will make your services more appealing to the potential clients. It provides peace of mind to clients as they're guaranteed of compensation in case you unwittingly cause loss or damage to their property.

Work with a licensed insurance professional to secure maximum, but affordable coverage. Secure policies that will collaborate to create the ultimate coverage package, suiting most or all of your needs as your budget will allow.

Small Business Economic Data & Insurance Regulations

Perhaps you have the next great idea for a product or service that you know will appeal to your local area. Maybe you want to contribute to the economic growth of your community. Whatever the reason is, if you're thinking about starting a small business, it's important to understand pertinent information relating to small businesses in the United States; namely economic information and insurance regulations. After all, if you want your small business to succeed, you have to understand the economic trends organizations of a similar size in your area.

Likewise, you want to ensure that your small business is well protected with the right business insurance and that you are in compliance with the rules and regulations that pertain to commercial insurance in your region.

Small Business Information

Read up on economic statistics and insurance information that relates to small business owners in the United States.

Small Business Economic Data In The United States

Here's a look at some information that was compiled by the Small Business Association (SBA) regarding the economic data that pertains to small businesses in the United States:

  • In 2015, small businesses in the United States employed an estimated 58.9 million American workers, or 47.5 percent of the nation's private workforce.
  • Largest shares = fewer than 100 employees. The small businesses that employed 100 people or less had the largest share of employment amount small businesses.
  • Employment increased by nearly 2 percent. In 2018, employment amongst small businesses increased by 1.8 percent, which is an increase of 1 percent from the prior year.
  • Increase in proprietors. In 2016, the number of small business proprietors increased by 2.3 percent.
  • In 2015, small businesses were responsible for creating 1.9 million net jobs. Organizations that employed 20 people or less had the largest gains, as they added an estimated 1.1 million net jobs.
  • There were 5.7 million loans that were value less than $100,000 issued by lenders in the United States in 2016. These loans were issued under the Community Reinvestment Act.
  • Small business owners that were self-employed at the incorporated businesses that they owned reported a median income of $50,347 in 2016.
  • Small business owners that were self-employed at the unincorporated businesses that they owned reported a median income of $23,060 in 2016.
Small Business Insurance Information

In the business world, there are many risks faced by company's every day. The best way that business owners can protect themselves from these perils is by carrying the right insurance coverage.

The The National Association of Insurance Commissioners (NAIC) is the U.S. standard-setting and regulatory support organization. Through the NAIC, state insurance regulators establish standards and best practices, conduct peer review, and coordinate their regulatory oversight.

Commercial insurance is particularly important for small business owners, as they stand to lose a lot more. Should a situation arise - a lawsuit, property damage, theft, etc. - small business owners could end up facing serious financial turmoil.

According to the SBA, having the right insurance plan in place can help you avoid major pitfalls. Your business insurance should offer coverage for all of your assets. It should also include liability and casual coverage. The SBA recommends the following insurance plans for small business owners:

  • Commercial Property Insurance: In the case of an unplanned disaster - fire, flood, vandalism, theft, etc. - this type of coverage will help you avoid paying for the damage out of your own pocket. Even if you rent the property, you should still carry commercial property insurance.
  • Commercial Liability Insurance: In the event that a legal situation arises - a negligence lawsuit, for example - commercial liability coverage will provide financial protection. It will cover the cost of legal defense fees, court fees, and even moneys that may be awarded.
  • Commercial Auto Insurance: If you operate a vehicle for any activities that are related to your business - transporting and/or delivering goods, or meeting with clients - commercial auto insurance is legally required for businesses of all sizes, including small businesses.

Additional Resources For Contractors & Home Improvement Insurance

Learn about small business contractor's insurance, including what it covers, how much it costs - and how commercial insurance can help protect your contracting business from lawsuits.


Contractors And Home Improvement Insurance

If a contractor wants to begin or stay in business, liability coverage must be obtained for the premises or operations, off-site locations and products/completed operations exposures. These coverages may be included as a part of a businessowners policy (BOP) or purchased in a commercial general liability (CGL) policy. Owners and contractors protective liability and railroad protective liability coverages may also be required in certain cases in order for a contractor to obtain a particular job.

Many contractors do not have the usual location-specific buildings and business personal property exposures. Their business property is more mobile and, therefore, better covered with inland marine coverage forms. However, for those larger contractors that own buildings and/or maintain business inventory there are many coverage forms and choices available to them.

Contractors use their vehicles to get to and from their workplaces and jobsites. They also use vehicles to transport equipment and inventory to those locations. It is important to cover the liability of these vehicles for injury or damage they may cause, as well as to provide coverage for damage to the vehicles themselves.

Employers are required to provide coverage for injuries sustained by their employees while on the job. Contractors must comply with these requirements but some try to avoid them by hiring subcontractors. These subcontractors may actually operate and qualify as employees. The relationship between a contractor and its subcontractors must be carefully evaluated in order to determine if workers compensation coverage is still needed.



Request a Quote Now

Lawn Care Insurance
Rated 4.7/5 based on 34 reviews

Quotes from leading small business insurance carriers including: ACE, AmTrust, Chubb, Cincinnati, CNA, Colony, Employers, Evanston, Fireman's, Foremost, Guard, Hanover, Hiscox, Liberty Mutual, Markel, MSA, Nationwide, Penn America, Philadelphia, Prime, Progressive, Scottsdale, The Hartford, Travelers, USLI, Utica First, Western World, Zurich & others.

Top