Lawn Care Insurance

Specialized Insurance for Lawn Care Experts Like You

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Lawn Care Insurance That’s Made Just for You

You take pride in protecting your clients’ 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.

What Insurance Do Lawn Care Businesses Need?

Lawn care businesses face highly unique risks based on the kind of services they specialize in, the location they serve, and the type of projects they take on. With so much at stake, you need business insurance that keeps you protected - all while being affordable and flexible.

Need more detail? Read our FAQs:

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General Liability Insurance for Lawn Care Businesses

General liability insurance - also known as commercial general liability (CGL) insurance - is a type of coverage that can protect you from claims involving accidents, property damage, and some lawsuits. Without general liability insurance, you could find yourself personally liable if you or an employee cause any accidents or damage on third-party properties.

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 commercial general liability insurance.

Professional Liability Insurance for Lawn Care Businesses

Professional Liability insurance - which is also referred to as errors & omissions (E&O) insurance - is a type of policy that provides coverage in the event a customer alleges negligence from your lawn care services. If your customer decides to sue your business for mistakes related to your lawn care services, your professional liability insurance policy may cover resulting damages and legal costs that you might be ordered to pay.

Professional liability insurance usually covers:

  • Negligence or alleged negligence
  • Legal defense costs
  • Libel and/or slander
  • Copyright infringement
  • And more

Professional liability insurance usually does not cover:

  • Intentional negligence
  • Bodily injury
  • Third-party property damage
  • False advertising
  • And more

Workers Compensation Insurance for Lawn Care Businesses

If an employee gets sick or hurt while they’re on the job, your workers compensation policy can cover their medical bills and lost wages. This type of policy can also pay for some or all your legal fees if the employee decides to sue you for those injuries (up to your policy limit).

Workers compensation policies are required by law as soon as you hire your first employee, so it’s good to add it to your lawn care insurance coverage.

Learn more about workers compensation insurance.

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 will cost? Click here to answer a couple of questions so we can help you learn how much you can expect to pay for your lawn care insurance policy.

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