How to Get Business Insurance for Landscaping and Lawn Care Companies

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1. Assess your risks
- Broken or damaged equipment.
- Illness due to exposure to chemicals.
- Injuries from lawn mowers or other landscaping tools.
2. Determine which policies you need
Type of insurance | What it covers |
Claims against your business of third-party bodily injury, property damage and personal/advertising injury. If a client trips over your lawn mower and breaks an ankle, they could sue you over the incident. Your general liability policy would cover any legal or settlement costs, as well as medical expenses. | |
Damage to your business property (assets, inventory, equipment) caused by weather events, certain accidents and other hazards. An electrical fire destroying your lawn mower would be covered under your commercial property insurance. | |
Employees’ medical expenses from work-related illnesses or injuries. Most states require employers to have workers' comp for their employees. If one of your employees is putting flowers in a garden and throws out their back, workers’ compensation insurance would cover their medical expenses. | |
Vehicles that you use for business purposes. Accident-related expenses that arise from bodily injury or property damage are covered. If your employee is driving your landscaping truck and they accidentally back into another car, your commercial auto insurance would cover damage to the car and any injuries the other driver receives. | |
Tools and equipment insurance | Cost to repair or replace business equipment that is damaged or stolen. Tools and equipment insurance would cover the cost to replace your leaf blower if it’s stolen from a job site. |
Cost to repair or replace business property that is damaged or stolen while in transit or while being stored by a third party. If you’re driving your lawn seed from one job site to the next and your truck bed breaks, causing you to lose your inventory, inland marine insurance would cover the cost to replace it. | |
Offers additional coverage for liability claims made on other insurance policies, such as general liability, commercial auto or employer’s liability, once they’ve reached the policy limit. If a client suffers a serious lawn mower injury and sues your business, your general liability policy will cover their medical expenses, your legal fees and any damages. If, however, those costs end up exceeding the limit of your general liability policy — e.g., the policy limit is $1 million, but the costs add up to $1.5 million — umbrella insurance would cover the remaining expenses. |
3. Shop for your coverage
Contact insurance providers directly
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Work with a broker
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Use an online marketplace
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4. Choose your provider
- Coverage: What is covered under the policies the provider offers? What isn’t covered?
- Liability limits: How much of a loss will the insurance provider cover? For example, Next Insurance offers three protection plan options for lawn care business insurance — the Basic Coverage has a $300,000 general liability limit per occurrence, whereas the Pro and Pro Plus Coverage plans each have a $1 million general liability limit per occurrence.
- Cost: How much will the policy cost? Is there a deductible — and if so, how much is it? Based on data from its customers, Insureon estimates that landscaping businesses pay a median premium of about $45 per month, or $530 per year for general liability insurance.
- Reviews: Is the insurance provider well-reviewed? How many complaints have been filed against the company on the National Association of Insurance Commissioners website?
- Customer experience: What is the process for filing a claim, paying your bill or contacting customer service? Can you manage your account online or using a mobile app?