Lawn Care Insurance

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Simply Business is pleased to provide tailored insurance options from:

Lawn Care Insurance That’s Made Just for You

You take pride in protecting your customers’ lawns and gardens — but who’s protecting your business?

At Simply Business, we work with lawn care professionals, gardeners, and landscapers to build better business insurance policies. Whether you specialize in installing sod or designing magazine-worthy gardens, our policies will keep you covered while you’re working with customers.

Plus, we make it easy to get insured. Get an online quote in under 10 minutes, or call one of our licensed insurance agents for expert help in selecting the right policy.

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What Type of Insurance Do I Need as a Lawn Care Company?

Lawn care businesses face unique risks based on the kind of services they specialize in, the location they serve, and the type of projects they work on. That’s why we typically recommend the following policies to our lawn care professionals:

General Liability Insurance for Lawn Care

General liability insurance — also known as commercial general liability (CGL) insurance — is coverage that can protect you from claims involving accidents, property damage, and certain lawsuits. Without general liability insurance, you could find yourself personally liable if you or an employee cause an accident or damage to a customer’s property.

General liability insurance can cover claims resulting from:

  • Property damage
  • Accidents
  • Reputational damage

Your general liability policy usually won’t cover:

  • Employee injuries
  • Tool theft
  • Vehicle damage
  • Employee lawsuits
  • And more

Learn more about General Liability Insurance.

Contents Coverage for Lawn Care

You spent a lot of money and time building up your tools and lawn care equipment. So what would happen if they were damaged or stolen?

That’s why we recommend adding contents coverage to your lawn care business insurance. Contents coverage provides financial protection in case your tools are damaged or stolen during the course of your lawn care work. If this happens, your policy may cover the cost of repairing or replacing your property (up to your coverage limit).

Our contents coverage can be affordably packaged with our general liability insurance, so be sure to select it when shopping for a quote.

Workers Compensation Insurance for Lawn Care

If an employee gets sick or hurt on the job, your workers compensation policy can cover their medical bills and lost wages. Workers compensation policies are required by law when you hire your first employee, so it’s good to add it to your lawn care insurance coverage.

Workers compensation insurance usually covers:

  • Medical payments
  • Lost wages
  • Rehabilitation expenses
  • Death benefits

Lawn Care Insurance FAQs

Getting the info you need on your lawn care insurance can feel time-consuming, but we’re here to make the process easier for you. Check out our answers to the most frequently asked questions about finding and buying lawn care business insurance.

Do I need lawn care business insurance?

If you own a lawn care business, then absolutely! Lawn care insurance plays a crucial role in protecting your money, your employees, your tools and equipment, and your customers and their property. Without this insurance, you’re on the hook for any damages or accidents your business causes. That means you would have to pay those bills out-of-pocket, which could be financially devastating to your lawn care business.

What does lawn care insurance cover?

Lawn care insurance can be customized to protect your lawn care company from your biggest risks. So whether you need just a standard general liability policy or you want to also protect your tools and lawn care equipment, we can add these policies to your overall lawn care business insurance coverage.

Is lawn care insurance a legal requirement?

That really depends on where you live, as some states require it, while others don’t. If you have questions about what your state requires, give us a call and one of our insurance agents can help answer your questions.

However, even if you’re not required to be insured in your state, there are several reasons you should carry it:

  • Lawn care insurance prevents you from paying out-of-pocket for property damage and accidents.
  • It can cover legal costs in the event your business gets sued.
  • Customers may be reluctant to hire you unless you have insurance coverage.
  • Your state may require you to have a policy in order to be licensed.

How much does lawn care insurance cost?

While there’s no one answer for how much lawn care insurance costs, you can get a good idea for how much you might pay based on:

  • The number of employees you have
  • Your business’s location
  • The type of services you provide
  • Your estimated revenue
  • And more

Want to find out how much your lawn care insurance may cost? Click here to answer a few questions so we can help you learn how much you might pay for your lawn care insurance policy.

Why Choose Simply Business?

Simply Business is an online business insurance brokerage that lets you compare and buy policies from top insurers. We have over a decade of experience in making business insurance clear and simple for our customers.

We pride ourselves on making business insurance:

  • Fast and Affordable: You have better things to focus on, like running your business. Our policies are fast, affordable, and ready when you are.

  • Tailored to You: Forget one-size-fits-all insurance. Get the protection your business needs, when you need it most.

  • Flexible with Coverage: Whether you need increased coverage for the busy season or policies for a large project, Simply Business can help.

After all, you’ve worked hard to build your lawn care business, and we offer the best coverage to protect it.

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