Lawn Care Insurance (2024)

Lawn Care Insurance to Secure Your Growing Business

Every day you’re outside, working hard to protect your customers’ lawns and greenery. You brave the elements to aerate, fertilize, maintain, and control the most demanding of lawns.

In your business, you’re spending a lot of time protecting other people’s property. So, isn’t it time you found an insurance plan that protects your company?

At Simply Business, we think so. You deserve strong coverage at a price you can afford. To help, our website lets you compare free quotes from the nation’s top insurance companies. Best of all, you can find a plan in just 10 minutes or less. It’s one of the fastest, easiest ways to answer your nagging question, “how much is lawn care insurance?”

Remember, in the lawn care business, anything can happen. You don’t want to face an accident injury, or loss without financial protection for you and your employees. Take 10 minutes today to find a plan that covers you.

Ready to find your plan?

Lawn Care Insurance

Policies Available for Lawn Care Insurance:

• General liability insurance

• Workers compensation insurance

Benefits:

• You can be financially protected from certain claims.

• Proof of insurance can help customers feel good about your work.

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• It may be legally required where you’re located.

What Type of Insurance is Best for My Business?

Commercial general liability insurance

The first type of coverage you may need is commercial general liability insurance (CGL). It can protect your business from costs associated with third party accidents or property damage, like lawn care equipment and vehicles. Finally, a CGL policy can also help you cover lost capital if there’s damage to your company’s reputation.

In some states, you may be required to buy commercial general liability insurance before working with customers. Check your state’s laws first, of course. But regardless, it’s generally a good idea to have general liability insurance.

Without insurance, you may be on the hook to pay for costs associated with third party property damage. And it’s not pocket change either. The average claim for small business property damage is about $30,000.

An example Let’s say you’re working on a customer’s property and the mower picks up a rock, tossing it into your customer’s window. The window breaks, and you have a very unhappy customer on your hands.

You’ll need to pay to replace the window. This can cost anywhere from $200 (for a simple repair) to $2,000 (for more detailed work on a larger window). Either way, it’s a cost you probably don’t want to handle all by yourself. Fortunately, lawn care business insurance can help cover some or even all of the costs (depending on your policy limits). It may also cover medical bills if some inside the home was hurt by the rock.

General liability insurance usually covers:

• Bodily injury to another person

• Third-party property damage

• Personal and advertising injury

• Medical expenses

• And more

• Damage to your own property

• Professional services

• Workers compensation or injury to your employees

• Damage to your work

• Automobiles while in business use

• Expected or intentional injury or damage

• And more

Remember, if you’re asking, “how much is insurance for a lawn care business?” We can offer quotes in as little as 10 minutes or less. No matter what, we can assure you that the cost of a policy is well worth it, especially compared to the cost of a claim.

Workers Compensation Insurance

Have employees? If the answer is yes, you may need workers compensation insurance. You may be required to get a plan as soon as you hire your first employee, even if it's for part-time or seasonal work. In many states, it’s a legal requirement.

It’s smart to get workers compensation anyway. Research says that in 2017, work injury costs ended up being $161.5 billion. Plus, the average cost of an injury claim for a small business owner is $39,000! Just imagine paying that amount for one incident.

Workers compensation is designed to protect you and your employees. It can help cover emergency room visits, medical bills, medications, and more. If your employee has to take time off of work to recover, it can also cover part of their lost wages.

In general, workers compensation usually covers:

• Medical payments

• Lost wages during a worker’s time off

• Rehabilitation expenses

• Death benefits

• Client or vendor accidents

• OSHA fines

• Work safety improvements

• Wages for a worker who replaces the injured employee

Why You Need Insurance for Your Lawn Care Business

Your business is worth it.

You’ve worked hard to grow your business. But just one incident could put everything you’ve worked for at risk. Isn’t it worth protecting your livelihood?

At first business insurance might seem pricey. It can be stressful to ask the question, “how much does lawn care insurance cost?” This is especially true if you’re just starting out. But the cost of a claim could far outweigh a yearly policy. Plus, many states require you to secure insurance.

With Simply Business, it’s easy to find commercial general liability insurance and workers compensation at an affordable price. In fact, we can find GL policies as low as $29.75/mo.* Compare that to what you might pay without a small business insurance plan:

• $30,000 for property damage or accidents

• $39,000 for injuries at work

• $10,000 if a customer is struck by an object

Did you know lawn care companies often get sued too? About 43% of small business owners say they’ve been involved with a lawsuit or threatened with one. Even if you’ve done nothing wrong, you’ll still need to pay legal fees to protect yourself.

Your customers may appreciate it.

People want to hire trustworthy lawn care professionals. Once you get business insurance, you can showcase your policy in proposals. Potential customers may see you as reputable and able to handle issues that arise.

At Simply Business, we can provide you with a certificate of insurance (COI) to demonstrate your proof of coverage.

• Sometimes. It depends on the state you live in. Many states may require that you get insurance before working on customers’ lawns, you may want to contact a local attorney to know for sure.

  Either way, it’s a good idea to get a plan. Here’s why:

  • It can cover you if there’s an accident or damage to your equipment.

  • It can handle legal fees if someone sues your business.

  • It can show customers you’re credible and trustworthy.

• Yes, business insurance usually is a tax-deductible expense. This is great news because your policy can help lower the taxes you owe throughout the year. Find out more about other deductible business expenses here. Be sure you check with an accountant to learn more about this deduction.

• The amount you need depends on a few factors, such as:

  • Your business’s size

  • Your payroll

  • The state you do business in

  • Your annual revenue

  • And more

  Fortunately, our quote form recommends the best coverage for you. Just answer a few questions about your business. Then it will show you plans and their coverage amounts. It can also help you answer the question, “​​how much does insurance cost for a lawn care business?”

  If you have more questions, call one of our licensed insurance agents. They’re here to help you.

• At Simply Business, you can get a quote in 10 minutes or less. To help speed things up, we ask you to gather this information ahead of time:

  • Annual revenue estimates

  • Payroll estimates

  • Information about past claims

• Yes, it can. Some states require lawn care business owners to get insured, while others don’t. It’s always a good idea to review your state’s laws first or talk with a local attorney.

  Our quote form will only give you information based on where you live. So, if your state has specific guidelines, you’ll only see plans that work there.

• For a lawn care professional, we recommend you get both commercial general liability insurance and workers compensation if you have employees. Together these plans will protect you from costs associated with:

  • Bodily injury

  • Damage to equipment

  • Workers’ injuries

  • Unintentional mistakes

  • And more

• It varies. It depends on the services you offer and if you have workers. Here’s the information we use to provide quotes:

  • Your payroll estimates

  • Your business’s location

  • Specific services you offer

  • And more

  Curious how much a lawn care insurance plan costs? Head to our quote form and answer a few questions. In just 10 minutes, you can get a free quote.

Why Choose Simply Business?

We make getting business insurance simple. Say goodbye to complex policies and insurance jargon. We’re committed to helping you find the right plan, at the right price—and helping you understand how your policy works along the way.

Simply Business is an online insurance brokerage that helps protect small business owners. We’re rapidly growing and proud to serve thousands of small business owners nationwide.

Need a few other reasons to choose us?

We’re committed to protecting you. If an accident or injury happens, our licensed insurance agents are compassionate and dedicated to you. They’ll help you use your plan, so you don’t have to worry about expenses.

We make getting a free quote simple. Insurance can sound like another language. Our quote form makes it easy to understand which policies are best for you. Plus, you’ll only see plans that work in your state and for your business size.

You work hard, and you deserve to protect the business you’ve built. Take just 10 minutes today to compare plans with us. You won’t regret it.

Lawn Care Insurance

*Monthly payment calculations (i) do not include initial premium down payment and (ii) may vary by state, insurance provider, and nature of your business. Averages based on July-September 2023 data of 10% of our total policies sold.

This content is intended to be used for informational purposes only. It is not intended to provide legal, tax, accounting, investment, or any other form of professional advice.

*Harborway Insurance policies are underwritten by Spinnaker Insurance Company and reinsured by Munich Re, an A+ (Superior) rated insurance carrier by AM Best. Harborway Insurance is a brand name of Harborway Insurance Agency, LLC, a licensed insurance producer in all 50 states and the District of Columbia. California license #6004217.

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2024

Simply Business. All Rights Reserved. Simply Business, LLC is a licensed insurance producer in all U.S. States and the District of Columbia. Simply Business has its registered office at

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Boston, MA

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02108

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