Insurance for Lawn Care
Coverage for your lawn maintenance business.
Get comprehensive lawn care insurance covering equipment, property damage, and employees.
Licensed agents who understand service businesses deliver fast quotes and expert support.
Talk to a business insurance specialist
Licensed agents who understand your industry and get you competitive quotes fast.
Why Lawn Care Insurance Matters
Protect your service business from liability and property claims
Service businesses work on client property, creating liability exposure for damage you might cause. The right insurance protects you from claims that could drain your profits and shut down operations.
Most service businesses need General Liability for property damage and injuries, Workers' Compensation for employees, and often Commercial Auto for work vehicles. Equipment coverage protects your tools.
Whether you're a solo operator or run a crew, proper insurance is essential. Many clients require proof of insurance before hiring service contractors.
Coverage Checklist
Recommended coverage for your business
The policies you need to protect your business and meet client requirements
General Liability
RequiredCovers property damage and injuries from your service work.
Workers' Compensation
RequiredRequired for employees in service businesses.
Commercial Auto
RequiredCovers work vehicles and equipment in transit.
Industry Risks
Common risks you need to protect against
Real risks service businesses face
See how the right insurance protects your business when things go wrong
Risk
You accidentally damage client property while performing your service.
General Liability
Pays for repairs, replacement, and legal defense.
Risk
You accidentally damage client property while performing your service.
General Liability
Pays for repairs, replacement, and legal defense.
Risk
An employee is injured on a job site.
Workers' Compensation
Covers medical bills and lost wages.
Risk
An employee is injured on a job site.
Workers' Compensation
Covers medical bills and lost wages.
Risk
Your work vehicle is in an accident traveling to a job.
Commercial Auto
Covers vehicle damage and liability claims.
Risk
Your work vehicle is in an accident traveling to a job.
Commercial Auto
Covers vehicle damage and liability claims.
Why Choose Us
Why service businesses choose 1-800-INSURANCE
- Coverage designed for service contractors
- Instant certificates of insurance
- Equipment and tools coverage
- Commercial auto for work vehicles
- Fast quotes for small businesses
- Help meeting client requirements
Commercial insurance experts
Essential coverage for service businesses
Compare quotes and get the policies your business needs
Ready to protect your business?
Get quotes from top carriers, instant COIs, and coverage that keeps you working.
Common questions
Lawn Care Insurance FAQs
What insurance does a lawn care business need?
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Lawn care businesses need General Liability, Workers' Compensation, Commercial Auto for trucks and trailers, and equipment coverage. Fertilizer/herbicide application may need pollution coverage.
Do I need insurance if I work alone?
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Yes. Even solo operators need General Liability for client property damage and injury claims. Many clients require proof of insurance before hiring you.
How much does service business insurance cost?
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Costs vary by business type, revenue, and employees. Many service businesses pay $500-$2,000 annually for General Liability. Workers' Comp depends on payroll and risk classification.
Protect Your Business Today
Our commercial insurance specialists understand your industry and can help you find the right coverage at the best price.