2014
Get instant small-business insurance quotes

Choose your profession

Resources for Lawn Care/Landscaping

5 Ways to Protect Your Lawn Care and Landscaping Business

Landscape and lawn care professionals are no strangers to hard work, and when it comes to protecting their
Read More...

6 Costly Lawn Care Business Protection Myths

Lawn care professionals build their business on attention to detail. From creating beautiful walkways and yards...
Read More...

7 Things to Know before Buying Insurance for Your Lawn Care Business

Shopping for business insurance for your lawn care or landscaping business can mean hours of searching, new
Read More...

Insurance Experts for Lawn Care & Landscaping Professionals

  • In your lawn care or landscaping business, your ability to do your job is dependent on your access to equipment, tools, and other materials. If anything should happen to this gear – or if this gear should cause injury to any of your employees or clients – you could face a potentially costly court case.
  • What would happen if you were faced with a lawsuit alleging that some of your equipment hurt a client? How would you bring in revenue while you spent time in court defending yourself? How would you pay for your court costs and any settlement or judgment you were found responsible to pay?

Insurance Options for Lawn Care & Landscaping Professionals

The insureon Advantage

  • Get What You Need, Now!
    Our experts will get you from Quote to Bind with our quick and easy online application.
  • The Best Choice:
    We give you multiple quotes from only the best insurance companies within minutes of your application.
  • The Right Expertise:
    Our Architecture Business Specialists are licensed agents here to advise you about all of your coverage needs.
  • Custom Made:
    We tailor your insurance plan just for you. No extra policies or hidden fees, we only give you the coverage your business needs.

Lawn Care & Landscaping Providers: Coverage Types

When you talk with an insureon agent, you’ll discover how to protect your landscaping or lawn care operation with small-business insurance.

General Liability Insurance for Lawn Care & Landscaping Providers

General Liability Insurance is a must for business owners, regardless of size or industry. It offers coverage for claims that your business caused injury or property damage to a third party (that is, neither you nor your employees).

If, for example, you or one of your employees accidentally rode a lawnmower over a client’s sprinkler system and damaged that system, your General Liability Insurance would protect you if the client sued you for replacement or repair costs, assuming the relevant costs fell within the limits of your policy. In addition to any actual repair or replacement costs for which your company is found liable, your General Liability coverage would pay for any legal costs (such as attorney’s fees) associated with defending you against the claim.

One important element of General Liability policies to understand, however, is that they do not protect you against claims that your professional performance caused someone financial loss.

An insureon agent who is familiar with the needs of small landscapers and lawn care professionals can help you choose a General Liability Insurance policy that meets your business’s needs.

Workers’ Compensation Insurance for Lawn Care & Landscaping Professionals

Most states require business owners to carry at least some form of Workers’ Compensation Insurance, which protects business owners from the expenses related with employees who incur illnesses or injuries on the job.

In lawn care and landscaping, the danger for employee injury and illness is fairly high, so an adequate Workers’ Compensation policy has the potential to save the business owner a significant of money.

An appropriate Workers’ Compensation policy will cover any legal expenses you incur defending yourself against an employee’s charges that your business caused illness or injury. Those expenses might include lawyer’s costs, court costs, docket fees, and more. In addition to such costs, a typical Workman’s Comp policy will pay for the cost of settlements or judgments, which might include the employee’s medical costs.

Be sure to ask your insureon agent whether you are required to insure yourself in addition to your employees, and whether you are required to carry insurance for contract workers in addition to full-time and part-time employees.

Umbrella / Excess Liability Insurance for Lawn Care & Landscaping Professionals

One way lawn care and landscaping professionals can increase the coverage limits on their General Liability and Auto Insurance policies is to purchase Umbrella Insurance (also known as Excess Liability Insurance). Umbrella policies are typically offered in increments of $1 million and are fairly inexpensive to buy.

In the event that your business is found liable for expenses and your General Liability or Auto Insurance policies are inadequate to cover those expenses, an Umbrella Insurance policy can make up the difference. For example: if your business is found liable for property damage totaling $500,000 and your General Liability policy offers only $250,000 in coverage, an Umbrella policy can provide the additional $250,000 in coverage, preventing you from having to pay that amount out of pocket.

Commercial Auto Insurance for Lawn Care & Landscaping Professionals

If you or your employees operate a business-owned vehicle to complete your lawn care or landscaping work, you may be able to protect yourself from associated risks with Commercial Auto Insurance.

Depending on how you use your commercial vehicles, you may be able to insure them against physical damage, physical injury, and damage caused by uninsured drivers. Your insureon agent can help determine whether or not your business qualifies for Commercial Auto Insurance.

Tips for Lawn Care & Landscaping Providers

Manage risk from the start.

Establishing safety standards and training your employees in proper safety measures can reduce the risk that mistakes lead to serious injuries or accidents. It’s also generally a good idea to make sure that you and your employees invest in proper clothing and protective gear to prevent unnecessary injuries.

Invest in maintenance costs.

Keeping your equipment in proper working order can help promote a safe work environment, which tends to save money and time. Rather than being forced to stop in the middle of a job, you and your team can work at full capacity when you address any equipment problems before they become serious.

Customer Reviews

4.9 out of 5 for customer service

Rated 4.9 out of 5 for customer service.
205 reviews

Amazing customer service, loved that I could do everything via email. Nothing better than that."

"Excellent and responsive service. My agent was out when I called but another person jumped right in and took care of the policy."

Read more reviews...

Sample of certificate

Sample

Certificate of Liability Insurance
Download Now
eBook Risk Management

eBook

Risk Management

A detailed guide to protecting your business by managing and minimizing the risks you face.

Download Now

8am-5:30pm CST | Monday - Friday