Tailored Lawn Care Insurance to Mow Down Risks
- Wallet-Friendly Coverage
- Built for Small Businesses
- Instant Proof of Insurance! (COI)
Tailored To Your Profession
Why Do Lawn Care Businesses Need Insurance?
Running a lawn care business? Insurance isn’t just a nice-to-have — it’s a must. Accidents happen, like a worker accidentally damaging a client’s property or getting hurt on the job. Insurance covers repair costs, legal claims, and medical expenses, keeping your business running smoothly.
If a sprinkler breaks
Property damage coverage ensures Mr. Lee’s sprinkler is reinstalled, good as new!
If a rickety ladder turns into an ER visit
If a client relationship goes sour
Skip the courtroom drama; we’ll cover the defense costs.
If your favorite leaf blower is swiped
We’ll replace it faster than you can say “gone with the wind”!
If a storm ruins your warehouse
Yikes. Repair costs are on us.
Activities We Cover
- Lawn Mowing & Maintenance
- Landscaping
- Gardening
- Leaf Raking
- Gutter Cleaning
- Groundskeeping
- Tree & Shrub Trimming
- Hanging Christmas Lights
- Fertilizing
- Weed Killing/Prevention
- Thatching or Aerating
- Planting Flowers, Small Trees, Shrubs
- Interior Landscaping
How Much Does Lawn Care Business Insurance Cost?
At just $31 a month, we offer lawn business insurance coverage that doesn’t break the bank — and still pays out when you’ve filed a legitimate claim. Our competitive coverage is tailored to your needs, and understanding the factors that influence your final premium costs can help you make the best coverage choices.
Through our 100% online application, you can get a no-hassle quote based on your specific business needs in less than 5 minutes.
Save when you choose annual!
When you pay upfront, you’ll save up to 12% while securing uninterrupted coverage that safeguards your business all year long. Take advantage of annual payments and unlock substantial savings!
What Does Lawn Care Liability Insurance Cover?
From rogue tree branches to data leaks, our small lawn care business insurance policy inclusions have been informed by professionals just like you!
Included
General Liability Coverage
General liability insurance for lawn care businesses shields you from claims related to bodily injury, property damage, or personal injury that may occur during their work. For instance, if a client or passerby is injured by a falling tree branch while you’re trimming trees or if a rock from your lawnmower accidentally shatters a nearby window, general liability insurance can help cover medical expenses and legal costs associated with the incident. However, it’s important to note that this coverage does not extend to injuries sustained by you or your employees—it only covers your clients and third parties.
Additional Insureds
Adding additional insureds is all about giving extra protection to your clients or landlords, so they feel safe and secure knowing they’re covered under your policy. For example, if your crew accidentally damages a client’s property while mowing the lawn or applying fertilizers, the additional insured is protected under your coverage.
This not only builds trust but also shows that you’ve got everyone’s back, making your business relationships rock-solid.
Add-Ons
Cyber Liability Coverage
Gathering emails for digital marketing? Housing client addresses online? If you use digital means to conduct any part of your lawn care business, Cyber Liability coverage for lawn services can help you with:
- Data Breach Notification Costs
- Customer Data Loss
- Ransomware and Cyber Extortion
- Legal Fees
- Business Interruption Fees
Lawn Care Surety Bonds
Surety bonds play a vital role for lawn care businesses by safeguarding your operations and enhancing client trust. This bond consists of three key parties: the lawn care contractor (you!), the client, and the surety company, which ensures that you fulfill the contract’s obligations.
Although not universally mandatory, surety bonds are required in many areas for legal lawn care tasks and public construction projects.
Having a surety bond allows clients to invest with confidence. Once you’ve acquired your lawn care insurance policy, you can easily buy your bond through your customer dashboard.
Types of bonds we offer:
- Business Service Bonds
- License & Permit Bonds
- Contractor Bonds
- Custom Pesticide Applicator
Tools and Equipment Coverage
Tool and equipment coverage, also known as inland marine insurance, is here to save your blade (and your business). Tools and Equipment insurance for lawn mowing businesses protects your essential gear—from hedge trimmers to leaf blowers—against theft, damage, and mysterious mishaps. So, whether it’s a runaway rototiller or pocketed power tools, rest easy knowing your prized garden gadgets are covered.
Workers Compensation Coverage (Coming Soon!)
Ever thought about what happens if your best mower suddenly twists an ankle on the job? Workers compensation for lawn care businesses is an insurance policy that covers medical expenses and lost wages if your employees get injured while making lawns pristine.
Commercial Auto Coverage (Coming Soon!)
Imagine your trusty work truck getting sidelined by a fender bender—ouch! That’s where commercial auto coverage for lawn care services comes in. It covers everything from accidents to repairs, keeping your operation rolling smoothly. Whether it’s the ride hauling your fertilizer or the van transporting your team, this insurance ensures you’re back on the road in no time.
Get notified when Commercial Auto is available in your state!
What’s Not Included in Insurance for Lawn Care Companies?
Lawn care service insurance ineligible/excluded operations include:
- Tree removal: If it’s lumberjack work, it’s out of our league.
- Tree trimming conducted other than from the ground up (without using walls, ladders, roofs, scaffolding, hoisting equipment, etc.): Keep your feet on the ground, and we’re all good.
- Designing operations or playing landscape architect: We’re all for creativity, just not on this policy!
- Irrigation or sprinkler installation (only incidental damage repair allowed): We love a good sprinkle, but no full-blown waterworks here!
- Hardscaping: Paving the way? Not on our policy.
I’m Sold! But What Policy Do I Choose?
Unsure what customized lawn care insurance policy best fits you? Consider the scope of your operations (aka, what a day on the job looks like) and daily risk factors (aka, what could land you in hot water). Find what best describes your business:
New & Growing Businesses
We describe new lawn care businesses as those with minimal client interactions and low-risk environments. If you offer a singular service—such as mowing, trimming, edging, seasonal cleanups, etc.—and interact with only a handful of customers per season, you may fall into this category.
Growing businesses have more frequent client interactions and moderate risk exposure. You could be juggling additional services such as landscaping designs, pest control, or tree care, but not necessarily need a large safety net quite yet.
Start strong with a General Liability Insurance Policy. At this level, we recommend our package with a coverage rate of $500,000 per incident / $1,000,000 per year — ideal for covering basic risks.
Established Business
Established lawn care businesses have significant client interactions and higher risk exposure. If you have a backlog of lawns to mow and are a well-known biz in your neighborhood, the likelihood of running into trouble at some point is likely. As you expand your clientele or services, this risk also increases—so you’ll want to know what your policy can deliver.
Insurance Canopy’s elevated General Liability Insurance package offers coverage of $1,000,000 per incident / $2,000,000 so you can keep growing in confidence. And don’t forget to add Workers’ Compensation insurance to the mix to protect your employees in case of work-related injuries. It’s a smart move to keep your team safe and your business running smoothly.
Please note: we’re in the business of small businesses, so our coverage is only available for businesses with payroll under $200K and annual revenue under $1.5M.
Tools and Equipment Insurance
This one’s a must-have for lawn care businesses. Your tools and equipment are what keep those lawns lush and your business booming. Without proper coverage, unexpected damages or theft could leave you scrambling and disrupt your service commitments, potentially costing you clients and revenue. Our packages include:
- $1,000 per incident / $3,000 per policy year (+$3.33/month): Adequate for new businesses with limited equipment.
- $2,000 per incident / $6,000 per policy year (+$4.58/month): Suitable for growing businesses with a moderate amount of equipment.
- $5,000 per incident / $10,000 per policy year (+$5.00/month): Best for established businesses with significant investments in tools and equipment.
Coverage Limits for Lawn Care Business Insurance
Maximum Lawn Care Liability Insurance Limits
The most your policy will pay in a 12-month policy period for bodily injury and property damage claims that you become legally obligated to pay due to your business services.
$2,000,000
The maximum amount your policy will pay in a 12-month period for bodily injury and property damage claims that result from the products you use to perform your services. However, it does not cover products that are sold, or distributed.
$2,000,000
The maximum your policy will pay for a bodily injury or property damage claim that you become legally obligated to pay due to your business services.
$1,000,000
The amount that your policy will pay for claims arising out of one or more of the following offenses:
- False arrest, detention or imprisonment
- Malicious prosecution
- Wrongful eviction or wrongful entry
- Oral or written publications that slander or libels a person or organization
- Oral or written publication or material that violates a person’s right of privacy
- The use of another’s advertising idea in your advertisement
$1,000,000
Applies to damage by fire to premises rented to the insured and to damage regardless of cause to premises (including contents) occupied by the insured for 7 days or less.
$100,000
A general liability coverage that reimburses others, without regard to the insured’s liability, for medical or funeral expenses incurred by such persons as a result of bodily injury or death sustained by accident under the conditions specified in the policy.
$5,000
Optional Coverage Options
Tools & Equipment Coverage
Limits
Premium
Deductible
$5,000 Policy Year
$155
$500
$10,000 Policy Year
$258
$25,000 Policy Year
$670
Specific Questions? We’re on it.
Monday to Friday, 8 am – 8 pm EST
(se habla español)
Why Your Competitors are Choosing Insurance Canopy
Because they realize that protecting their assets with us is a ‘mow-brainer’! Hundreds of small lawn care businesses like yours continue to rake in the benefits and avoid the risk of getting caught in the weeds.
Insurance You Can Rely On
Instant Proof of Insurance & a hassle-free claims process = a zen policyholder 🙏
Simplified Coverage
Comprehensive, personalized insurance for your business – only pay for what you need
Expert Support
Chat with a responsive, multilingual team of experts who provide one-on-one support. For real!
Hear What Our Real Clients Have To Say
-
TLJ's Mobile Mixology, LLC had been insured with Insurance Canopy since it's inception and we have no complaints.
Tenisha J.
February 4, 2025Knowledgeable, kind, attentive and professional. She helped me to feel comfortable, well taken good care of and get the service possible.
Ed Levitt
February 3, 2025As a Massage Therapist, I was not aware until a few years ago that I did not have to be part of an Organization to get my liability insurance! I... Read More
Kristie Williams
January 30, 2025 -
This insurance has helped me secure events with my corporate and local government clients. They have great customer service and are always willing to help.
Tony Felix
January 23, 2025Representative was clear & concise in explaining specifics of the policy. Cost of policy very reasonable.
John B
January 16, 2025I’m very happy with my purchase of liability insurance for a one-off event. I was even able to edit the policy after it had been issued with the help of... Read More
jay gedeon
January 6, 2025 -
Super easy to use and great service; I had a little error from my part and needed to correct it customer service was super helpful they guided me through the... Read More
Ana Zavala
January 6, 2025I needed some liability insurance for my business. The team at Insurance Canopy had great recommendations and the insurance was reasonable for the coverage. Web site and process... Read More
Susan Tedesco
January 6, 2025Great coverage, excellent price, terrific customer service. I checked out a lot of different carriers and they had the best reputation and coverage. Since most venues require insurance, it was... Read More
Steve Bryant
January 6, 2025 -
Was waiting for two other insurance companies to get back to me for over 2 1/2 weeks and losing money every day. Sitting here, frustrated I asked ChatGPT what... Read More
Chad Laibly
January 6, 2025Great and affordable insurance
Peter DAntoni
December 6, 2024Being a caricaturist, I never understood why I needed liability insurance, but it got to that point where I was missing opportunities because of it. So, I researched a bit... Read More
Paul McNeilly
November 12, 2024 -
I’m just saying that is easy to get the vendors insurance with this company
Silvia Delgado
November 6, 2024Definitely a great asset to my business, I have never had a problem getting what I need from IC. Good communication skills, always get help from the agents, attenuative on... Read More
Robert Avila
November 6, 2024Your site was extremely easy to use, I was able to get my event insured for what the event planners wanted. The price was so affordable. Even chatting... Read More
Rebecca Ruby
November 6, 2024 -
Quick easy sign-up convince is great
Vincent Davanzo
November 6, 2024Great to work with. Always available for assistance.
Two Pour Girls Bartending
November 6, 2024Best customer service I have ever had in regards to insurance.
Edward Findley
November 5, 2024 -
Super easy and convenient. Just renewed, thanks.
Wendy Berg
November 3, 2024Great to work with. Always available for assistance.
Courtney Araneo
November 3, 2024This is only the second year I have had this insurance. Haven't had to use it. But it's nice to know i have it. The price is great too
Vickie Sundgren
November 3, 2024 -
Canopy insurance has been great for my business. Definitely a five star definitely recommend it..
Fernando Ferreira
October 12, 2024Very easy and straight forward experience! The agent and live chat were instrumental in acquiring my policy.
Jacob Smith Jr
October 7, 2024Rey was amazing. So easy! So fast!
Herman Koch
September 30, 2024 -
Always treated well. They take care of my business insurance and I don’t have to worry about anything with insurance canopy in my corner. 10 year customer.
Mark Paquin
September 14, 2024Excellent rates and coverage! Did a lot of homework before going with Insurance Canopy, by far the best bang for the buck 🙂
Alana Wyld
September 14, 2024She is positive and friendly !
Alan Dynin
September 14, 2024 -
Had a great experience obtaining a policy quickly for a solo musical act. After a year, modified my policy to a fully staffed production easily using the chat feature of... Read More
Paul Tolle
September 6, 2024I am a professional mobile DJ. I use Insurance Canopy for a policy to cover my equipment and liability. They are easy to do business and the website makes... Read More
Don Kirby
September 6, 2024Best price I have found! Excited to be a customer
Dustin Price
September 6, 2024
-
TLJ's Mobile Mixology, LLC had been insured with Insurance Canopy since it's inception and we have no complaints.
Tenisha J.
February 4, 2025 -
Knowledgeable, kind, attentive and professional. She helped me to feel comfortable, well taken good care of and get the service possible.
Ed Levitt
February 3, 2025 -
As a Massage Therapist, I was not aware until a few years ago that I did not have to be part of an Organization to get my liability insurance! I... Read More
Kristie Williams
January 30, 2025 -
This insurance has helped me secure events with my corporate and local government clients. They have great customer service and are always willing to help.
Tony Felix
January 23, 2025 -
Representative was clear & concise in explaining specifics of the policy. Cost of policy very reasonable.
John B
January 16, 2025 -
I’m very happy with my purchase of liability insurance for a one-off event. I was even able to edit the policy after it had been issued with the help of... Read More
jay gedeon
January 6, 2025 -
Super easy to use and great service; I had a little error from my part and needed to correct it customer service was super helpful they guided me through the... Read More
Ana Zavala
January 6, 2025 -
I needed some liability insurance for my business. The team at Insurance Canopy had great recommendations and the insurance was reasonable for the coverage. Web site and process... Read More
Susan Tedesco
January 6, 2025 -
Was waiting for two other insurance companies to get back to me for over 2 1/2 weeks and losing money every day. Sitting here, frustrated I asked ChatGPT what... Read More
Chad Laibly
January 6, 2025 -
Great coverage, excellent price, terrific customer service. I checked out a lot of different carriers and they had the best reputation and coverage. Since most venues require insurance, it was... Read More
Steve Bryant
January 6, 2025
You have questions. We have answers!
Do I need insurance to mow lawns?
Absolutely. While mowing lawns seem straightforward, accidents still happen. A rock through a glass or a dented car can be very costly. By protecting you from these unforeseen mishaps, lawn service liability insurance allows you to concentrate on maintaining immaculate lawns.
Is my lawn care insurance policy effective immediately?
Yes. As it should be!
With Insurance Canopy, your lawn care insurance policy can be effective immediately upon purchase. You’ll receive instant coverage confirmation and your Certificate of Insurance (COI) as soon as you complete the online application and payment—allowing you to get back to work without skipping a beat. Just make sure to review your policy documents for any specific conditions or exclusions!
Can I cancel my lawn care policy at any time?
You can cancel your lawn care policy with Insurance Canopy at any time.
Listen. We’re not your Ma and Pa’s insurance company looking to lock you down in secretive, fine-print contracts. We’re spearheaded by small business owners just like you—people who know that life is full of unexpected changes and that you may just need to cancel your policy.
Simply contact our customer service teams and they’ll guide you through the cancellation process. Be sure to review your policy terms for any potential cancellation fees or refund eligibility to ensure a smooth transition. Keep in mind that any payments made for previous months won’t be refunded.
While you have the flexibility to cancel, we don’t recommend it unless absolutely necessary, as it could leave your business exposed to potential liabilities that far outweigh the cost of maintaining coverage.
How do I file a lawn care claim?
Filing claims with Insurance Canopy is easy! Here’s the fastest route to success:
- 🖥️ Log in to your dashboard
- 🧐 Find “Manage Policies”
- 📂 Click on “File a Claim” and share your info
Once you’re done, a trusty claims adjuster will swoop in to assist you. They’ll be with you every step of the way to ensure the claims process goes smoothly.
Remember, we’re here to help you, too! If you have any questions or need assistance, please reach out.
How do I renew my lawn care insurance policy?
You may have gotten the gist by now—we love making things easy on you. Our EZ-Renew feature automatically refreshes your policy yearly, so your coverage won’t miss a beat. We’ll email you a reminder before this happens so you’re always in the know. If you opt out of EZ-Renew but still want to continue your coverage, you’ll need to complete a new application from scratch.
As your lawn care business grows, you can adjust your coverage by contacting our support team, who can help you increase coverage limits, add or remove specific coverages based on new services or equipment, and ensure compliance with new client contract requirements, evolving your policy with your business needs.
And there you have it. Enjoy the perks of your continued peace of mind—and keep your business blooming!
Our team is always ready to help answer your questions. Smile included.
Want to talk to a real person? We do that too.
Monday to Friday, 8 am – 8 pm MDT
se habla español
Mow Down Risks With Insurance Canopy
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