Lawn Care Insurance in Florida

General liability coverage sets the standard for lawn care business coverage. It’s designed to pay medical or legal costs in case of third-party bodily injury or property damage, advertising mistakes, and more.

This blanket coverage is foundational to any size lawn care business, as it allows you to work without fear that a claim could sabotage your efforts to grow as a company. Plus, many clients in Florida — primarily commercial — require proof of general liability insurance before hiring a lawn care service.

Here are a few examples of real claims covered by Insurance Canopy’s lawn care general liability coverage:

• A lawn care employee reported damage to a client’s sliding door by a rock flung by a weed-eater
• A professional lawn mower reported damage to a client’s car by a rogue piece of equipment
• A mowing service kicked up a rock that damaged a passing school bus’ windshield

No matter how careful you are, incidents like these are common. They can result in having to pay for costly repairs, strained client relationships, and negative word of mouth that harms your business.

Many Home Owners Associations (HOAs) and commercial properties in Florida will require you to provide proof of insurance. Having general liability coverage not only protects you but also opens doors to new clients who demand the security of working with insured professionals.

Don’t let a single claim sabotage the hard work you’ve put into growing your business—make sure you have the right coverage in place.

Additional insureds are qualified individuals or entities (like landlords, HOAs, or commercial clients) you add to your insurance policy to extend your coverage to them. If a claim is made naming both your lawn care business and the additional insured, your insurance can protect both parties.

In addition to providing proof of insurance, many HOAs and commercial property managers will ask you to add them as an additional insured. So if you accidentally damage the property of a homeowner while performing work for an HOA, for example, you and the HOA can be covered if a claim is brought against you.

This makes hiring you more attractive since additional insureds won’t be held financially responsible for mishaps arising out of your work.

In addition to requiring proof of your insurance, many HOAs and commercial property managers will ask you to add them as an additional insured. So if you accidentally damage the property of a homeowner while performing work for an HOA, for example, you and the HOA can be covered if a claim is brought against you.

This makes hiring you more attractive since additional insureds won’t be held financially responsible from mishaps arising out of your work.

Chances are, your lawn care business relies on high-value equipment like mowers and trimmers. Inland Marine (tools and equipment) insurance protects against loss or damage due to theft, vandalism, or accidents.

Florida can be prone to severe weather, including hurricanes and heavy storms. Tools and equipment coverage can help provide financial support when seeking repairs or replacements for tools damaged by such weather events.

If you collect and store client information like names, addresses, phone numbers, and payment details online, you could be vulnerable to cyber attacks. Cyber liability coverage protects against financial losses from data breaches that expose this information.
This add-on coverage can help you with:

• Data breach notification costs
• Customer data loss
• Ransomware and cyber extortion
• Legal fees
• Business interruption fees

Adding a Workers Compensation policy offers coverage for your employees’ work-related injuries. Florida law mandates that businesses set up as a corporation or LLC with four (4) or more employees must carry workers’ compensation insurance. This includes both full-time and part-time employees.

Sole Proprietors and Partnerships are not mandated to have insurance, but can still choose to opt in and protect themselves from the risk of costly employee injuries.

Commercial auto insurance is necessary if your lawn care business uses vehicles to transport equipment or employees.

Florida state law requires businesses that own, rent, or lease vehicles for work operations to have commercial auto coverage. Personal auto insurance may not cover accidents while using a car for business purposes.