Lawn Care and Mowing Business Insurance Quotes | Insureon (2024)

It’s easy to get lawn care business insurance coverage and license/permit bonds if you have your company information on hand. Our insurance application will ask for basic facts about your business, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:

1. Complete a free online application
2. Compare insurance quotes and choose policies
3. Pay for your policy and download a certificate

Insureon's licensed agents work with top-rated U.S. insurers to find coverage that fits your lawn care company, whether you work independently or hire employees.

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Lawn care professionals, including small businesses, LLCs, and independent contractors, may need extra types of insurance, outside of general liability coverage and workers' compensation coverage, to cover all risks and liabilities.

Some additional lawn mowing business insurance options to consider are:

• Hired and non-owned auto insurance (HNOA): Lawn care employees who drive their own pickup or other vehicle to clients' properties should consider HNOA, since a personal auto insurance policy won't cover business use. This coverage provides auto liability insurance for personal, leased, and rented vehicles used by your business.
• Commercial property insurance: Homeowner's insurance doesn't provide protection for business property stored in your home. Because of this, you may need commercial property insurance. It protects against financial losses from fires, storms, and burglaries.
• Inland marine insurance: A commercial property insurance policy will only cover items stored at your main business location. You'll likely need additional coverage for tools and equipment that travel to job sites. Contractor's tools and equipment insurance is one example of this coverage, which can protect your lawn business's leaf blowers, lawn mowers, and other equipment.
• Commercial umbrella insurance: An umbrella policy boosts the protection of your general liability, commercial auto, and employer's liability insurance, activating when the limit is reached on the underlying policy.
• License and permit bonds: If your state requires a landscaping license, it will likely require a surety bond, also known as a licensing bond. A bond provides a financial guarantee that you will comply with your state’s laws and the terms of any contracts you sign.

Ultimately, your state's laws will determine whether you need a business license, contractor's license, or other types of qualification to run a lawn care business. When registering your business, if you call your business by any name other than your own, you'll need a doing business as (DBA) license to operate legally.

Depending on the different lawn services your business offers, you might have to acquire specific permits, which could include an environmental permit for pesticide application or a construction permit for installing curbing.

Large commercial clients and government entities will sometimes mandate that your business carry a surety bond before signing a contract with your lawn care business.

Plus, being able to say your lawn care or landscaping business is licensed, bonded, and insured is a big win with customers. It shows you're reliable and can guarantee reimbursem*nt should any issues arise.

No matter which lawn care business insurance policies you decide on, don’t cut corners just to lower premium costs. Buy the plan that offers the best protection so you don’t end up paying out of pocket for unexpected incidents.

For example, when purchasing commercial property insurance, consider a replacement value option. This would cover the cost of replacing a stolen, three-year-old lawnmower with a brand-new equivalent.

Cash value policies are generally cheaper, but reimburse you only for the lawnmower’s current value, leaving your business to foot the extra cost of replacing it with a newer model.

Similarly, you may be tempted to purchase lawn care insurance with a high deductible because the premiums are cheaper. However, if you lose an essential and particularly expensive piece of gear, a low deductible would help minimize your out-of-pocket costs.

As with any business contract, carefully read your landscaping insurance policy before you sign it.

You can ask your agent for clarification about any terms you don’t understand. If your client requires a certain type of coverage in order to secure a job, your agent can also help make sure you have everything you need to meet those requirements.

Knowing exactly what your lawn care insurance does and doesn't cover will help you manage risks and better plan for emergencies down the road.