Tailored Lawn Care Insurance to Mow Down Risks

Starting At

$31/ month

or save 12% when you choose annual
4.8/5
Lawn Care graphic

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

We pay the medical expenses for accidents on the job, so get the nice leg cast 👍

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

Keeping lawns neat, healthy, and well-groomed.

Landscaping

Designing and arranging outdoor spaces for beauty and function

Gardening

Cultivating plants, flowers, and vegetables for beauty or food

Leaf Raking

Gathering and removing fallen leaves

Gutter Cleaning

Removing debris from gutters to ensure proper drainage

Groundskeeping

Maintaining and beautifying outdoor areas like gardens, lawns, and parks.

Tree & Shrub Trimming

Shaping and pruning for health and aesthetics

Hanging Christmas Lights

Decorating with festive lights for holiday celebrations

Fertilizing

Adding nutrients to soil to enhance plant growth

Weed Killing/Prevention

Eliminating or deterring unwanted plants in gardens

Thatching or Aerating

Designing and arranging outdoor spaces for beauty and function

Planting Flowers, Small Trees, Shrubs

Establishing small trees, shrubs, flowers in designated areas

Interior Landscaping

Removing debris from gutters to ensure proper drainage

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

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!

A sketched out arrow

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.
Have a unique situation you’re afraid won’t be covered? Chat with us about the specifics and we’ll see what we can do!
An image of a tractor lawn mower with a question mark and "X" icon to represent "What’s Not Included in Insurance for Lawn Care Companies?"
An image of a person thinking with their hand on their head with a question mark and computer icon to represent "I’m Sold! But What Policy Do I Choose?"

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.
If you’re still unsure, don’t sweat it. Our expert team can help match you with a policy that fits both your needs and your budget.

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

  • Being 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 Avatar Paul McNeilly
    November 12, 2024

    Best customer service I have ever had in regards to insurance.

    Edward Findley Avatar Edward Findley
    November 5, 2024

    This 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 Avatar Vickie Sundgren
    November 3, 2024
  • Great to work with. Always available for assistance.

    Courtney Araneo Avatar Courtney Araneo
    November 3, 2024

    Super easy and convenient. Just renewed, thanks.

    Wendy Berg Avatar Wendy Berg
    November 3, 2024

    Canopy insurance has been great for my business. Definitely a five star definitely recommend it..

    Fernando Ferreira Avatar Fernando Ferreira
    October 12, 2024
  • Very easy and straight forward experience! The agent and live chat were instrumental in acquiring my policy.

    Jacob Smith Jr Avatar Jacob Smith
    October 7, 2024

    Rey was amazing. So easy! So fast!

    Herman Koch Avatar 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 Avatar Mark Paquin
    September 14, 2024
  • She is positive and friendly !

    Alan Dynin Avatar Alan Dynin
    September 14, 2024

    Excellent rates and coverage! Did a lot of homework before going with Insurance Canopy, by far the best bang for the buck 🙂

    Alana Wyld Avatar Alana Wyld
    September 14, 2024

    Affordable plan and very easy to access when I need it

    Angela Lobianco Avatar Angela Lobianco
    July 13, 2024
  • Always easy to use! Thank you!

    CahillandDelene Avatar CahillandDelene
    July 12, 2024

    Great company with a courteous staff. Website is smooth and navigable with many options for all different kinds of fitness professionals. Best insurance options as well

    Rich Bonifazio Avatar Rich Bonifazio
    July 12, 2024

    I have been associated with this company for 3 years. They would have deserved no more than 1-2 stars at the time. They have progressively leveled up their customer service... Read More

    Angela Fischetti Avatar Angela Fischetti
    July 12, 2024
  • Thank you so much for the wonderful service. It is alway so easy to renew my policy each year!

    Jamilyn Boze Avatar Jamilyn Boze
    July 5, 2024

    Always done very well for us. Highly recommended.

    Kenny Casanova Avatar Kenny Casanova
    July 5, 2024

    Nothing but positive things to say. Great company, have used them for years.

    Brandon Kennedy Avatar Brandon Kennedy
    July 5, 2024
  • I think this is the third year in a row that I continue to carry my independent contractor insurance through Insurance Canopy. They make it easy for me, and alert... Read More

    susanf Avatar susanf
    July 5, 2024

    quick and easy to sign up and did not break the bank!!

    Michael “Michael” Jobe Avatar Michael “Michael”
    April 8, 2024

    Received many quotes that were multiple times more expensive. Needed something fast, easy and inexpensive for a high needs client. Customer had what they needed 5 minutes after... Read More

    Robert Caudle Avatar Robert Caudle
    April 7, 2024
  • Easy to apply online, it take 5 mins and get your provf of Insurance.

    Francesca Wine Avatar Francesca Wine
    April 6, 2024

    I had shopped a few websites including my home/auto policy holder and was not satisfied with their inability to insure me. Other sites wanted ridiculous down payments and one time... Read More

    Lucia Boroczk Avatar Lucia Boroczk
    April 4, 2024

    Just the insurance I needed. I wish the website would allow me to share pages!

    Ellen Brodsky Avatar Ellen Brodsky
    April 2, 2024
  • This insurance fits my needs as a yoga instructor with a small studio at a reasonable price.

    Hillary Blackton Avatar Hillary Blackton
    April 2, 2024

    It was fast and easy.

    Vincent Cabello Avatar Vincent Cabello
    March 31, 2024

    Chat support is terrific. I have chatted multiple times and each time the support team is very prompt, customer focused and knows the answers. The policy website is also very... Read More

    Patrick McElhaney Avatar Patrick McElhaney
    March 27, 2024
  • Process was easy. Relevant information accessible. Platform is very user friendly.

    Carolina Santos Avatar Carolina Santos
    March 26, 2024

    I've been using Canopy for all my businesses. Always responsive, easy to use and the cheapest around. Can't ask for more! - A 10+ note from a happy customer here!

    Aaron Copenhaguen Avatar Aaron Copenhaguen
    March 26, 2024

    The agent was awesome, helped me through my application completely, very professional, humble and helpful! I love Canopy’s concept!!! Thanks, Lionel

    Lionel Harrison Avatar Lionel Harrison
    March 26, 2024
  • Being 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 Avatar Paul McNeilly
    November 12, 2024
  • Best customer service I have ever had in regards to insurance.

    Edward Findley Avatar Edward Findley
    November 5, 2024
  • This 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 Avatar Vickie Sundgren
    November 3, 2024
  • Great to work with. Always available for assistance.

    Courtney Araneo Avatar Courtney Araneo
    November 3, 2024
  • Super easy and convenient. Just renewed, thanks.

    Wendy Berg Avatar Wendy Berg
    November 3, 2024
  • Canopy insurance has been great for my business. Definitely a five star definitely recommend it..

    Fernando Ferreira Avatar Fernando Ferreira
    October 12, 2024
  • Very easy and straight forward experience! The agent and live chat were instrumental in acquiring my policy.

    Jacob Smith Jr Avatar Jacob Smith
    October 7, 2024
  • Rey was amazing. So easy! So fast!

    Herman Koch Avatar 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 Avatar Mark Paquin
    September 14, 2024
  • Excellent rates and coverage! Did a lot of homework before going with Insurance Canopy, by far the best bang for the buck 🙂

    Alana Wyld Avatar Alana Wyld
    September 14, 2024

You have questions. We have answers!

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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

Related Articles

Exclusions

  • Designing operations or playing landscape architect: We’re all for creativity, just not on this policy!
  • Handling infectious waste or hazardous materials: Leave the biohazards to the professionals in hazmat suits, please.
  • Irrigation or sprinkler installation (only incidental damage repair allowed): We love a good sprinkle, but no full-blown waterworks here!
  • Swimming pool, water feature, or pond installation/maintenance: We’ll stick to swimming in paperwork, thanks!
  • Retaining walls, land preservation, or erosion control: Building walls is beyond our coverage—just call us the anti-Humpty Dumpty.
  • Hardscaping: Paving the way? Not on our policy.
  • Window washing: We’ll admire the view from the ground, streaks and all.
  • Exterior work over two stories: Heights give us vertigo—two stories or less, please 😬
  • Use or application of any pesticide or herbicide requiring a license: No chemical warfare in the garden, okay?
  • Stump grinding or removal: We’re stumped on this one—no grinding allowed!
  • Inspection, appraisal, or surveying: We don’t do the measuring tape thing.
  • Planning or designing land development (e.g., parks, recreational areas, airports, highways, hospitals, schools, land subdivisions, commercial, industrial, or residential areas): Dream big, but the grand designs aren’t covered.