Lawn Care Services insurance · Nationwide
Coverage built for mowing routes, not design-build crews
A rock through a window, a fertilizer mix-up that burns a customer's yard, a trailer full of mowers stolen overnight: lawn care carries its own version of trade risk, distinct from landscape design work. We connect you with specialists who get the difference.
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Coverage lawn care companies carry
Lawn care is high-frequency, low-ticket work: dozens of properties a week, fast crews, spinning blades and, on many routes, chemicals applied under a state license. The claims are rarely large individually and they arrive often.
General Liability
Third-party injury and property damage, thrown debris, damaged irrigation and fencing, and chemical drift onto a neighboring lot.
A mower throwing a stone through a window or into a bystander is the defining claim. Applying chemicals adds drift exposure, which carriers rate separately.
Workers' Compensation
Medical bills and lost wages for blade injuries, heat illness, and strains from loading equipment.
Required once anyone is on payroll. Summer routes bring heat illness alongside the obvious blade injuries, and both are increasingly what drives the rate.
Commercial Auto
Trucks and trailers carrying mowers and trimmers between properties: liability, collision, and hired or non-owned autos.
A route is dozens of stops a day, which is far more road exposure than most trades carry. Trailers and their loads should be scheduled, not assumed.
Tools & Equipment
Mowers, trimmers, blowers, and spreaders stolen from the trailer or damaged in transit.
Trailer theft is the single most common loss in this trade, often overnight and often the whole trailer. Schedule the mowers; blanket-cover the hand equipment.
Commercial Property
Your yard, shop, and stored equipment, fertilizer, and chemicals against fire, theft, and storms.
Stored fertilizer and pesticide change how a carrier looks at the building. Declare what you keep on site and how it is contained before you bind cover.
FAQFrequently Asked Questions
Yes: general liability covers third-party property damage, and an application error that damages a customer's lawn or landscaping is exactly the kind of claim it responds to.
Inland marine is built for exactly this. Equipment that travels between job sites rather than staying at one fixed location, which standard property coverage often excludes.
The coverage types are similar, but a mowing/treatment route's risk is weighted more toward daily auto exposure, chemical application errors, and equipment theft than a design-build firm's longer-term completed-operations risk. We'll price it to match how you actually operate.
General liability can respond to third-party injury claims, including to a customer's pet, depending on the circumstances. We'll help make sure your limits reflect your actual route volume.