Lawn Care Insurance Cost
Your business size, your location, and your claims history play a role in your insurance costs — find out how lawn care insurance can protect your business and your wallet. Compare quotes from different providers to find the best deal that keeps your business safe without digging into your profits.
How Much Does Insurance Cost for a Lawn Care Business?
Lawn care insurance cost starts at just $31 per month or $336 per year at Insurance Canopy. Compared to the average cost of $45 per month, or about $530 a year, our rates offer savings while still giving your business the solid protection it needs.
Most Popular Lawn Care Insurance Policies (+ their cost)
From the must-have policies to their costs, we’ve got the scoop on how to keep your business in tip-top shape without breaking the bank.
| Our Lowest Price | Industry Average | |
|---|---|---|
|
General Liability Insurance |
$336 / year |
$550 / year |
|
Tools and Equipment Insurance |
$155 / year |
$350 / year |
|
Additional Insureds |
No Cost |
No Cost |
|
Cyber Liability Insurance |
$99 / year |
$260 / year |
**based on the median cost of policies for lawn care insurance bought with Insurance Canopy.
How Your Number of Employees Affects Pricing
Your employee count can directly impact your insurance premium. Here’s a quick guide to how it scales based on the number of employees:
- 1-3 employees: Base price
- 4 Employees: Add $8.75/month or $105.00/year
- 5 Employees: Add $17.50/month or $210.00/year
General Liability Insurance
General liability insurance shields you from claims related to bodily injury, property damage, or personal injury that may occur during work. If a client trips over a hose or you accidentally damage their garden, this insurance helps cover medical bills and legal costs. Just keep in mind that it doesn’t cover injuries to you or your employees—only your clients and others.
| Coverage | Lowest Annual Cost / Lowest Monthly Cost |
|---|---|
|
$500K Per Incident / $1M Per Year |
$336 / $30.50 |
|
$1M Per Incident / $2M Per Year |
$411 / $36.75 |
Tools and Equipment Insurance
If your lawn care business relies on expensive tools like mowers and trimmers, tools and equipment insurance is essential. This coverage protects against theft, damage, and accidents, so whether your gear is stolen or breaks down, you’re covered.
| Limits (Occurrence / Aggregate) | Lowest Annual Cost / Lowest Monthly Cost |
|---|---|
|
$5,000 |
$155.00 / $12.92 |
Additional Insureds
Adding additional insureds to your policy offers extra peace of mind for your clients and landlords. In fact, commercial clients, like homeowners associations (HOAs) and property managers, are likely to require you to add them as an additional insured to your policy. If they’re named in a lawsuit from something arising out of your work, your policy can cover them.
For example, an HOA hires you to do lawn care and requires you to add them as an additional insured. You accidentally spread fertilizer on a homeowner’s property, their lawn sustains damage, and they decide to sue you and the HOA for the cost of replacing the damaged section.
Since they are additional insured and the claim arose out of your operations, your policy coverage can be extended to them. Being able to add qualified third parties to your policy gives you a leg up in landing work since it makes it safer to hire you.
Price per additional insured: Free
Workers Compensation
If a team member takes a spill or strains their back while working on your lawn, workers compensation has got you covered. It handles medical bills and lost wages, so your crew can recover without worrying about costs.
Because workers compensation laws differ from state to state, your coverage limit depends on your state’s specific statutory requirements.
Employers’ Liability Coverage Limits
The maximum coverage for damages resulting from bodily injury by disease for any number of employees.
$1,000,000 Policy Limit
The maximum coverage for bodily injury to one or more employees in any one accident.
$1,000,000 Each Accident
The maximum coverage for damages resulting from bodily injury by disease for any number of employees.
$1,000,000 Each Employee
Cyber Liability Insurance
Handling client emails or storing data online? Cyber liability insurance has you covered if things go wrong. It helps with costs like:
- Data breach notification costs
- Customer data loss
- Ransomware and cyber extortion
- Legal fees
- Business interruption fees
|
Monthly Premium |
$8.25 |
|
Annual Premium |
$99.00 |
|
Coverage
|
$100,000 Cyber Coverage Limit
including $50,000 in E-Theft Coverage
|
Factors Affecting Your Lawn Care Business Insurance Costs
Here’s a breakdown of what the lawn mowing insurance cost really means for your wallet:
Size of Your Business
The larger your team and client base, the more potential for claims and higher liability risks.
Location
Your location can make a big difference in your insurance rates. Local risks, like weather hazards and specific regulations, can impact your premiums.
Claims History
Previous claims can drive up your insurance costs. If your business has a track record of frequent claims, insurers may see you as a higher risk, which often means higher premiums.
Coverage Limits
Find the right balance between coverage and cost—too little and you risk being underinsured, too much and you might end up overpaying.
Additional Coverages
Adding extras like equipment insurance or workers comp can bump up your costs. These coverages are essential but come with a price tag. Assess your needs to figure out which extras are worth the spend.
Tips for Saving on Lawn Care Insurance
Want to cut your lawn care insurance cost without cutting corners?
Pay Annually
With Insurance Canopy, you can choose to pay less upfront and opt for monthly payments or save by prepaying annually.
Review Coverage
Cut out the clutter in your policy. By adjusting coverage limits and dropping unnecessary extras, you can streamline your costs without losing essential protection.
Compare Options
The best coverage for your lawn care business might not be the cheapest plan. Look for the right combination of comprehensive coverage, high-quality customer service, a highly-rated carrier, and competitive pricing.
Maintain a Clean Record
Keep your claims history as pristine as your freshly mowed lawns. Fewer claims mean lower premiums.
Instantly Secure Top Lawn Care Insurance with Insurance Canopy!
Say goodbye to stress and hello to top-notch coverage and unbeatable rates. Get your lawn care insurance today and watch your business thrive with Insurance Canopy!
Allison Kirschbaum | Copywriter
Digital Content Specialist, Allison Kirschbaum leverages her experience in providing in-depth content such as blogs, whitepapers, and downloadables about insurance, liability, and the challenges small businesses face every day. Before working at Veracity, Allison freelanced her copywriting skills, including optimizing rankings and generating leads across various sectors. She is now fully trained on Insurance Canopy’s products and helps small business owners navigate their insurance needs.
Digital Content Specialist, Allison Kirschbaum leverages her experience in providing in-depth content such as blogs, whitepapers, and downloadables about insurance, liability, and the challenges small businesses face every day. Before working at Veracity, Allison freelanced her copywriting skills, including optimizing rankings and generating leads across various sectors. She is now fully trained on Insurance Canopy’s products and helps small business owners navigate their insurance needs.
Kyle Jude | Program Manager
Kyle Jude is the Program Manager for Insurance Canopy. As a dedicated program manager with 10+ years of experience in the insurance industry, Kyle offers insight into different coverages for small business owners who are looking to navigate business liability insurance.
Kyle Jude is the Program Manager for Insurance Canopy. As a dedicated program manager with 10+ years of experience in the insurance industry, Kyle offers insight into different coverages for small business owners who are looking to navigate business liability insurance.
