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Lawn Care Business Insurance

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Progressive CNA The Hartford Travelers Hanover

Lawn Care Insurance Quotes Include:

  Additional Insured Included:   YES
  Free Certificates:   YES
  Payment Options:   YES     (Pay in Full OR Payment Plans)
  Low Down Payments:   YES     (Flexible Payment Options)
  Coverage Limit Minimum:   $2,000,000 / $2,000,000 / $1,000,000



According to Houston Chronicle, “a whopping 72 percent of the landscaping industry is driven by small business owners, with the industry as a whole growing by approximately 10 percent annually.” Rapid growth is expected by 2020. This is an excellent time to be in the lawn care and landscaping business. As a lawn care or landscaping expert you know how important your work is to the community. Your services are needed for corporate exteriors, public parks, and private homes.

A major issue lawn care providers face when deciding on the insurance coverage needed is that no two companies do exactly the same type of work. Some may do snow removal in the winter. Some may do tree removal and arbor work. Some may do hardscape or serious ground work. No matter what your lawn care business focuses on, it is important to review any types of work accepted when considering lawn care business insurance. This leads to the crucial point of lawn care business insurance, using a licensed insurance professional every step of the way in designing your lawn care insurance package. 

Like most businesses, a basic combination of General Liability, Property Insurance, and Workers' Compensation is a great starting point. After getting these basic coverages, additional protection needs to be considered.

Start with your General Liability insurance. A business of any type, including a landscaping business, needs to have liability insurance in place. This liability insurance protects you and your company against many forms of negligence. 

Next, your Property Insurance for your business is very similar to the homeowner’s coverage you carry personally. You are protecting the building, furniture, and business equipment such as phones, computers, cabinets, and copiers. It is important to note that a separate Commercial Automobile policy also needs to be included. 

Finally, Workers' Compensation insurance is necessary if you have any employees.

Once the basics are covered, talk to your agent about other types of coverage you may need. Coverage like mechanical breakdown, loss of income, and maybe even some type of hazardous coverage, if your business warrants it. The key to maximizing coverage coupled with affordability is working with your licensed insurance professional every step of way in creating your lawn care insurance package.