Lawn care insurance built for you
One application, multiple quotes.
All in one place.
Essential Protection
From
$29.17
/month*
Can help cover claims of accidental damage to a customer’s property, such as a lawn mower damaging a fence.
What’s included:
General Liability
Coverage limits: $1M to $2M†
Get multiple quotes in less than 10 mins
Essential Protection
From
$29.17
/month*
Can help cover claims of accidental damage to a customer’s property, such as a lawn mower damaging a fence.
What’s included:
General Liability
Coverage limits: $1M to $2M†
Get multiple quotes in less than 10 mins
Would you rather pick and choose your coverage? Explore all options
Over 1 million customers worldwide.
Buy instantly online.
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Why Do I Need Lawn Care Insurance?
As a lawn care pro, you can turn scorched turf into a lush green carpet. But accidents are like weeds — they can take root no matter how much you prepare. And having the right insurance policies can help protect your small business when the inevitable mishaps crop up.
What Type of Lawn Care Insurance Do I Need?
General Liability
A foundational insurance coverage to help handle costs from third-party accidents, property damage, and bodily injury.
From
$29.17
/month*
Workers’ Comp
Coverage to help take care of employees who get sick or injured on the job. Most states require this coverage for small businesses with full- or part-time employees. It also can benefit business owners who don’t have employees.
From
$38.91
/month*
Contractor’s Equipment and Small Tools Insurance
Also known as inland marine insurance, this coverage can financially protect equipment and inventory that’s in transport or stored offsite.
From
$20.83
/month‡
Business Owner’s Policy (BOP)
General liability, property insurance, and more all in one convenient package.
From
$33.75
/month*
Business insurance —
a quick explainer
Learn more about policies for small businesses, what they cover, why you might need them, and how we can help – all in just 60 seconds.
Business insurance is often made up of different types of policies to cover different things, similar to how your health insurance can be made up of medical dental and vision coverage. Here are some of the ones small business owners need. General liability is kind of the Swiss army knife of insurance. It can do a lot, like help handle costs from third party accidents, property damage, bodily injury, and more. Nobody’s perfect, right? That’s what professional liability is for. It could come in handy in the event of honest mistakes or claims of negligence. Workers’ comp can protect your business and help take care of employees who get sick or injured on the job. Small businesses are big targets for cyber criminals. Cyber Insurance can help cover costs associated with stolen customer data, cyber attacks, breaches, and fraud. BOP or a business owners policy combines different types of coverages like general liability and commercial property insurance. Putting them together for you is where we come in. You tell us a bit about your business online or on the phone, and we customize the coverage options for what you do and what you need. It’s your business, it should be your insurance as well. That’s why we’re here.
What Does Lawn Care Insurance Cover?
From mowing and edging to fertilizing and weeding, lawn care work covers a lot of ground — and so do the risks. Lawn service insurance can help protect your business against unexpected accidents such as these:
You’re edging along a customer’s driveway when a small rock flies from your mower and cracks the homeowner’s car window. The client is upset and wants you to pay for a new car window. A general liability policy could help pay for damages that may occur in the normal course of your work.
You’ve been awarded a contract for a multi-unit installation, but the property owner requests proof the job will be finished as promised. That’s where a surety bond comes in. It’s a financial guarantee that protects your client if you can’t meet your contractual obligations. If the job isn’t finished or doesn’t meet agreed-upon standards, the bond can compensate the customer for their losses.
Even experienced lawn care pros can sometimes make mistakes. What if you accidentally over-fertilize a client’s lawn, and the homeowner demands you replace the damaged grass? An errors and omissions policy could help cover the cost and protect you from claims of negligence
Lawn care can be grueling work. While hauling a heavy bag of mulch, one of your employees throws out their back. Workers’ compensation insurance can help cover medical bills and lost wages as the employee recovers.
This coverage is often legally required and protects your business from costly claims while ensuring your crew gets the care they may need. Even solo lawn care pros should consider workers’ comp, since many health insurance policies won’t cover work-related injuries.
Some days can be extra thorny. Imagine if your trailer lock gets cut on a job site and your mower, trimmer, and blower go missing. A contractor’s equipment and small tools policy could help pay to replace or repair stolen or damaged equipment when you’re on the move – including equipment you own or rent.
Having workers’ comp insurance is often legally required and can protect your business from costly claims, as well as taking care of your crew if they suffer a work-related illness or injury. Even if you operate solo, we recommend workers’ comp, because many health insurance policies won’t cover work-related injuries.
What Does Lawn Care Services Insurance Cost
Try our insurance calculator.
Get a quick estimate in just 3 steps.
Answers to More Lawn Care Business Insurance Questions
Most states require you to carry workers’ compensation insurance if you have employees. There also may be licensing requirements that require certain liability coverages. We recommend checking with your state and local governments for lawn mowing insurance requirements.
The cost for your insurance coverage is largely determined by the type of work you do, the types of risks you’re exposed to and the number of employees you have.
Some other factors can include where your office is located, the number of years of experience you have, and your annual revenue.
We can help find the coverages and prices online for lawn care insurance in just 10 minutes right here.
If you’re thinking about buying lawn business insurance, we recommend having the following information on hand when using our lawn care insurance calculator:
- The state where you do business
- Your type of business or trade
- Your annual revenue estimates
This information can make it easier to get a quote from one of our insurers in under 10 minutes.
Small business insurance is what we do. Whether it’s covering you for accidents and errors, meeting workers’ comp requirements, or protecting your shop and your tools and equipment, we can help find the coverage you need for your lawn care business.
We provide customized coverage options and quotes from top-rated small business insurers — all in just 10 minutes. More than 1 million small business owners worldwide trust us with their insurance, and we consistently earn high customer ratings and reviews.
Why Lawn Care Professionals Choose Simply Business
Small business insurance is what we do. Whether it’s covering you for accidents and errors, meeting workers’ comp requirements, or financially protecting your business from the unexpected, we can help find the coverage you need for your business.
Start your quote
Answer a few questions about
your business in one form.
Review quotes
Compare quotes side by side from top-rated insurers and customize your coverage.
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Choose your policy, and get instant proof of insurance – all online, and all within 10 minutes.
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Our +1 million customers are big fans. And you will be too.
I went online, looked around, and found Simply Business. The process was so seamless. I got my certificate within minutes. It was just phenomenal.
Karen
Owner of Tangaza Bath & Body Studio LLC
With Simply Business I know I can look at different carriers, but also see all my stuff in the same place… a lot of [insurance] providers don’t offer a variety of coverage, all in one place.
Jef
Owner of Bunker83 LLC
It wasn’t overwhelming to figure out what was covered and what wasn’t covered. And the cost was competitive.
Kim
Owner of Room to Breathe Professional Organizing
Feel confident in your choice.
We partner with a range of top-rated carriers and use smart technology to match you with policies that fit your specific business, your risks, and budget.
400+
business types covered
1M+
customers worldwide
18
top-rated carriers
We’ve Got More Helpful Information
*The displayed price for each product is a monthly estimate calculated from the 10th percentile of relevant policies sold by Simply Business (e.g., General Liability data is used for General Liability estimates). This estimate uses data from relevant policy sales between July–December 2025. Final price and payment terms, which may include an initial down payment, are subject to change based on your state, selected insurance provider, and specific business details.
† Limits may vary by state and nature of your business.
‡ Displayed price is based on the lowest available coverage limit for Equipment and Small Tools policies.
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