Do I need insurance for my lawn care business?

Discover which insurance policies can help protect your lawn care business.

Aditya Raghunath - Writer for NEXT Insurance
By Aditya Raghunath
Kelly Hendrickse - editor for NEXT Insurance
Edited by Kelly Hendrickse
Matt Crawford for NEXT Insurance
Fact-check by Matt Crawford

Published June 20, 2023.

It's highly recommended that you get business insurance for your lawn care business. The landscaping industry in the United States has increased by 9.7% on average between 2017 and 2022, so giving your business the best protection can help keep it blooming.

Having the right coverage can help protect you from potential financial losses caused by accidents, property damage or even lawsuits. It can also help build trust with your clients, showing that you're a responsible service provider.

So, what types of insurance can you consider?

Lawn care insurance typically combines the following useful policies:

General Liability insurance

General liability insurance offers protection against third-party claims of bodily injury, property damage and personal or advertising injury. For example, if a customer's poolside furniture is damaged while you're mowing, this policy can help with:

  • Repair or replacement costs
  • Legal fees and settlements

Errors and Omissions insurance

Errors and omissions (E&O) insurance, also known as professional liability insurance, covers claims of mistakes, negligence or incomplete services. For instance, if your team accidentally damages a client's sprinkler system while mowing, E&O insurance can help cover:

  • Repair costs
  • Any potential legal expenses

Workers' Compensation insurance

Workers' compensation insurance is legally required if you have any employees and can provide protection if an employee has a work-related injury or illness. For example, if an employee hurts their back while loading heavy equipment onto your truck, workers' compensation can help cover:

  • Medical expenses
  • Lost wages

Tools and Equipment insurance

Tools and equipment insurance can cover your lawn care business's tools, equipment and machinery against damage or theft. For instance, if a lawn mower is stolen from your work truck, this policy can help you:

  • Replace the equipment

Commercial Auto insurance

Commercial auto insurance can help if there are accidents, damages or theft involving your business vehicles. For example, if an employee gets into an accident while driving to a job site, this policy can cover:

  • Vehicle repair costs
  • Medical expenses

Commercial Property insurance

Commercial property insurance can protect physical property, such as office space, storage facilities or warehouses, against damage from events like fire, theft or natural disasters. For instance, if a windstorm damages your storage facility, this can help cover:

» Find out what lawn care landscaping tax deductions may apply to you

Take a safe step with NEXT

Safeguarding your lawn care business can help protect its long-term success. Having the right insurance policies in place can make unforeseen risks and liabilities easier to manage, so you can focus on providing excellent service to your clients.

With NEXT, you can get fast, affordable business insurance tailored to your needs. You can view your options online and get an instant quote in less than 10 minutes. Then, get your certificate of insurance and share it 24/7 with the NEXT app.

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