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Lawn Care Business Insurance: Cost, Coverage, & Providers

Lawn care services are required by all sorts of people and businesses. Having a gorgeous façade to a home or property makes it more appealing to anyone who visits. However, those with lawn care businesses need insurance to ensure they are protected. It helps in situations where claims are made by homeowners or an accident occurs during the course of work. 

Top 5 lawn care business insurance companies

We’ve researched a dozen companies that offer lawn care business insurance to avoid having to. Using extensive research, we’ve come up with a list of the five best options for businesses the provide lawn care:

  • CoverWallet: Best for comparing quotes online
  • Hiscox: Best for insurance from a company with 120 years of experience
  • The Hartford: Best for a trusted name to protect your business
  • biBERK: Best for quick quotes for general liability insurance
  • Simply Business: Best for connecting business owners with top companies

CoverWallet: Best for comparing quotes online

CoverWallet is a digital broker, focusing on servicing small businesses like your lawn care business. They work with several leading business insurance companies to enable small business to compare several quotes. No matter how large or small your company is, you can be connected with premium lawn care business insurance. The company website delves into the different types of lawn care insurance to determine which you need.

Upon visiting the website, all you need to do is click “get free quotes” and fill in some basic information about your business, such as how many employees you have and what revenue you amass on an annual basis. After that, you can choose the insurance you want and then be provided with a selection of quotes from different companies to easily compare your options.

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Hiscox: Best for from a small business insurance specialist with 120 years of experience

Hiscox is a highly experienced company that offers lawn care business insurance. They provide information specifically for this kind of business about the most common forms of insurance you need. General liability insurance is typically the most important for any business that involves working with heavy or dangerous equipment.

It’s simple to get a quote from Hiscox. We were quoted a monthly fee of $155.02 or an annual fee of $2,067.00 for a company based out of Houston, Texas, with four full-time employees, $300,000 in annual payroll, and $500,000 in yearly revenue. The sign-up process is simple and takes only a few minutes of your time.

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The Hartford: Best from one of the most trusted name

The Hartford is one of the most trusted names in business insurance, including for lawn care professionals. They have insured millions of small business owners and have a long history with an excellent reputation. This brand offers insurance for various industries in every state and is frequently rated well by those who use their services.

We used the same information to access an online quote from The Hartford but had technical issues that prevented us from sharing the price we would be provided. The company website has a list of all insurance coverage available to lawn care companies as well as answers to common questions. 

biBERK: Best for a fast online buying experience

biBERK promises “tailored landscaping business insurance coverage” with savings of up to 20% compared to other insurers. They offer many lawn care business insurance types, including business owners’ policies, workers’ compensation, and general liability coverage. The policy can be purchased and managed online, and claims can also be sent out over the Internet.

Using the information we mentioned earlier, we got a quote after working through several pages of information. Our property and liability insurance was quoted at $10,211 to $10,862 a year, depending on the chosen plan. While this is much more than the Hiscox quote, it also covers a broader range of issues and protects the business’s property.

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Simply Business: Best for connecting business owners with top companies

Our final pick is Simply Business, which is another insurance broker. They offers insurance options from dozens of companies. A few possibilities include Travelers, American Builders Insurance Company, Harborway Insurance, and Hiscox. Those looking for several choices will find a nice variety here with different options and monthly or annual costs.

It takes less than 10 minutes to get quotes, and you will have a selection once you finish. Then you can move on to purchasing the right lawn care business insurance for your needs. 

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What is lawn care business insurance?

Lawn care business insurance is just a general term referring to the business insurance types that a lawn care business might need.

When you choose insurance for a lawn care business, you need to consider what coverage is suitable for your needs. Some of the most common lawn care business insurance options are the following:

General liability insurance for a lawn care business:

General liability insurance covers customers’ property damages or bodily injuries caused by your lawn care business. Your employee might cause damages to a customer’s property while taking care of the lawn. The coverage protects you if a customer sues you for these reasons. This is often combined with commercial property insurance in a business owner’s policy. Learn more at the best general liability insurance companies and the cheapest general liability insurance companies.

Commercial property insurance for a lawn care business:

Commercial property insurance covers the property your lawn care business operates out of and the contents in it, including all of your equipment and tools. If you operate your lawn care business out of a physical building and have valuable equipment and tools, you should definitely need a good commercial property insurance policy. Learn more at the best commercial property insurance companies.

Business Owners Policy (BOP) for a lawn care business

Business Owner’s Policy (BOP) bundles both general liability and commercial property coverages in one policy, making it simple and easy for small businesses to manage. BOP also makes it easy for a lawn care business to add other endorsements that that might need such as contractor professional liability insurance, equipment rental insurance, or data breach coverage. Learn more at the best BOP insurance companies.

Workers comp insurance for a lawn care business

Workers’ compensation insurance is required by almost all state laws, except Texas, when you have employees, even just one and part-time. This coverage protects you if your employees are injured or fall ill while working. Even if you don’t have employees, you should consider having this coverage as a sole proprietor. Learn more at the best workers comp insurance companies and the cheapest workers comp insurance companies.

Commercial auto insurance for a lawn care business

Commercial auto insurance is needed if you use a vehicle for your business purpose. It can cover damages if an accident occurs when you or an employee is driving for work purposes. If you use your vehicle for your business and don’t have commercial auto coverage, your personal auto insurance policy will not cover if you have an accident. Even worse, if your personal auto insurance carrier learns about that, they might drop you too. Learn more at the best commercial auto insurance companies and the cheapest commercial auto insurance companies.

How much does lawn care business insurance cost?

The cost of lawn care business insurance depends on many variables, including the policies you choose, the coverage level, where you are located, what kind of clients you serve, and what claims you have in your history. For example, independent lawn care professionals might pay under $50 a month, while someone with several employees will find that price rising.

The best option is to check several companies or use a broker to find the best deal. Then, make sure you get the coverage you need at a price you can afford.

How to find cheap lawn care business insurance?

Here are some tips to help you find the lawn care business insurance coverage you need at a fair price:

  • Shop around. Get quotes from a few companies or a digital broker to compare several quotes to get the coverage you need at the best possible cost. 
  • Don’t stop shopping around. Make sure you get new quotes before you renew your policy.
  • Take advantage of discounts. If they’re not offered to you when getting a quote, ask about them, whether you’re buying online or through an agent.

Taking these steps will help ensure you’re not paying too much for your lawn care business insurance.

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