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Lawn care insurance

If you’re a lawn care business owner, you know there are plenty of risks associated with the line of work. From an employee getting injured on a job site to accidental exposure to toxic pesticides to a customer lawsuit, just about anything can go wrong—and when it does, you could get stuck with the legal liability (and a huge bill).

That’s why you need great lawn care business insurance coverage from a trusted, licensed insurance company. When you get insurance for your mowing business or lawn care service, you’ll know that you and your business will be protected in the worst of unexpected circumstances.

Run a landscaping company? Read more about getting landscaping business insurance here.

Most common types of insurance coverage for lawn care services

Workers' Compensation Insurance

Pays out for medical bills, lost wages, and even legal fees if someone you hire gets injured or sick on the job.

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Business Owner's Policy (BOP)

A handy bundle of coverages that includes general liability insurance, business interruption coverage, and business property insurance.

General Liability Insurance

Liability coverage for a lawn care business protects you if a third party ever sues you for bodily injury, property damage, or advertising injury.

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Business Property Insurance

Commercial property insurance protects your building (and the business equipment inside). Avoid financial loss due to vandalism, theft, or property damage.

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Commercial Auto Insurance

This covers vehicles used primarily for business reasons (whether the business owns them or you own them personally).

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How much does lawn care insurance cost?

Every business’s insurance needs differ. The cost to get lawn mowing or lawn service insurance depends a lot on where you are and the size of your payroll, but, through Huckleberry, lawn care businesses have paid as little as $31 per month for their workers’ compensation, $55 per month for general liability insurance, and $42 per month for their Business Owner’s Policy.

Not convinced? Get a free business insurance quote today. It only takes a few minutes to tell Huckleberry about your business needs, exposures, and preferred policy limits.

Lawn care business insurance Q&A

• What is covered by a lawn care insurance policy?

Do you need insurance for a lawn care company? Absolutely. But there’s no single policy that protects against all the risks a lawn care business faces. That said, if you run a lawn care business, you should purchase at least a general liability policy, business property insurance, and commercial auto coverage (all of which can be bundled into the more cost-effective Business Owner’s Policy). If you have employees, you’ll need to add workers’ compensation—it’s required in almost every state.

• I need a Certificate of Insurance. How do I get it, and does it cost extra?

If you’re a Huckleberry customer, it’s super easy (and free!) to generate copies of your Certificate of Insurance online. We’ll also send them wherever you like—no extra charge.

• What is Huckleberry Insurance?

Huckleberry sells fast, simple small business insurance for lawn care professionals, landscapers, and more. Get affordable insurance for a lawn care business in a few minutes—everything is 100% online and 100% easy.

What's better about Huckleberry

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