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Protect your business from property damage, equipment theft, and vehicle accidents. Lawn care insurance covers the unique risks of mowing, trimming, and maintaining residential and commercial properties.
Ready when your client needs it
Meets all state bonding requirements
Agents who know construction
Lawn care seems straightforward, but one mistake can cost you. A rock through a window. A rut from a zero-turn on wet turf. A trailer detaching on the highway. Without proper coverage, a single accident can wipe out an entire season of profits.
A mower throws a rock through a client's window. Your lawn care general liability insurance covers the full replacement cost.
A heavy zero-turn leaves deep ruts in a client's wet lawn during spring cleanup. Lawn care liability insurance covers the cost of sod replacement.
Your utility trailer detaches from your truck and hits another vehicle. Commercial lawn care insurance covers the damage to both vehicles.
Thieves steal your mower, trimmer, and blower from your trailer overnight. Your lawn care insurance policy covers the full replacement cost.
A complete lawn care business insurance program typically includes several policies working together. We bundle them to save you money and eliminate dangerous coverage gaps that could leave you exposed on a residential or commercial property.
Whether you’re doing residential mowing, commercial grounds maintenance, or sports field management, we have a customized lawn care insurance program designed for your specific scope of work and risk profile because a residential solo operator and a commercial fleet need completely different coverage.
Weekly lawn cutting, trimming, edging, blowing, seasonal cleanups, small property maintenance
Office park mowing, retail center landscaping, apartment complex lawn care, HOA common areas
Athletic field mowing, turf maintenance, infield grooming, drainage management, line painting
Overgrown property clearing, brush mowing, vacant lot maintenance, municipal code compliance
Golf course fairway mowing, putting green maintenance, estate lawn care, premium turf management
Chemical-free mowing, natural fertilization, organic weed control, eco-friendly lawn programs
Every state has different requirements for lawn care licensing and insurance minimums. We help you stay compliant with state laws and help you win contracts that require lawn care insurance coverage like additional insured endorsements and certificates of insurance.
Lawn care insurance cost depends on your annual revenue, number of employees, types of properties you service, and claims history. Residential mowing costs less than commercial grounds maintenance.
Commercial General Liability
$1,200 – $4,000/yr
Workers' Compensation
$2,000 – $10,000+/yr
Builder's Risk (per project)
1%–4% of project value
Tools & Equipment
$400 – $1,200/yr
Commercial Auto (per vehicle)
$1,500 – $3,000/yr
Commercial Umbrella ($1M)
$600 – $1,500/yr
Full Package Estimate
$5,000 – $20,000+/yr
We compare rates across 20+ carriers to get you the best price for your trade.
Commercial General Liability
$1,200 – $4,000/yr
Workers' Compensation
$2,000 – $10,000+/yr
Builder's Risk (per project)
1%–4% of project value
Tools & Equipment
$400 – $1,200/yr
Commercial General Liability
$1,500 – $3,000/yr
Commercial Umbrella ($1M)
$600 – $1,500/yr
Full Package Estimate
$5,000 – $20,000+/yr
Standard CGL limit required by most lawn care contracts
How to Get Your Lawn Care Policy in 4 Steps?
Carrier partners — we shop for the best rate for your trade
Lawn care businesses insured across the Southeast region
Our streamlined process gets you covered fast so you never miss a bid deadline or fail a property owner insurance inspection.
Business license type, annual revenue, payroll, number of employees, and typical properties serviced residential or commercial
We create a custom package across CGL, Workers' Comp, Commercial Auto, and Equipment Coverage based on your specific lawn care operations
Receive clear quotes from multiple A-rated lawn care insurance carriers compare coverage limits, deductibles, and premium side by side
Bind coverage immediately and receive your Certificate of Insurance same day ready for HOAs, property managers, and commercial contracts
Yes, most homeowners and property managers will not hire an uninsured lawn care provider. Your personal health insurance may exclude workplace injuries. Lawn care business insurance is essential even for solo operators.
That’s exactly what general liability covers. Flying debris from mowing that damages client property is covered under lawn care general liability insurance. Report property damage claims immediately to avoid lawsuit risk.
General liability covers damage you cause to others’ property. Equipment coverage covers your mowers, trimmers, and blowers if stolen or damaged. Lawn care insurance policy should include both one without the other leaves a dangerous gap.
We offer lawn care insurance quotes online in under 10 minutes. Just tell us your revenue, payroll, properties you service, and claims history. Same-day binding and instant COI available.
We issue same-day Certificates of Insurance often within an hour of binding your policy. HOAs require COIs before you mow common grounds. Commercial lawn care insurance is worthless if you can’t prove it before the job starts.
Complete coverage for landscaping contractors including hardscape, irrigation, and tree services
Specialized coverage for tree removal, trimming, stump grinding, and storm damage cleanup
Targeted coverage for large-scale mowing operations serving HOAs, apartments, and municipalities
Specialized coverage for turf management, fairway mowing, and grounds maintenance professionals
Coverage for commercial plowing, shoveling, salting, and ice management during winter months
Liability and equipment coverage for house washing, driveway cleaning, and surface restoration
Get a custom insurance package quote in minutes — designed for general contractors in the Southeast.
