Landscaping, lawn care insurance

Lawn care business insurance

100% dedicated to the self-employed and small businesses
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Pay monthly, with amazing prices and absolutely no extra fees


Your business insurance coverage is designed to meet your needs

Most lawn care business insurance is overgrown with confusing details and add-ons that hike up the price. We know you don’t have time for that, so we cut out the stuff you don’t need. The result is an insurance package that is affordable and designed specifically for lawn care business owners.

Why do I need lawn care insurance?

After working extensively with lawn care professionals and landscapers, we’ve identified a few common factors that can be protected by business insurance:

  • You carry your tools and equipment with you wherever you go and you can’t always watch over them while you are working.
  • When you’re not at a residential and commercial job site, your office is basically your truck.
  • Whether it’s an unseen rock that cracks a window while mowing or someone trips over a hose and is injured, accidents can happen.

With the right lawn care liability insurance, you can prune, plant and weed without worry. The right kind of coverage can even land you more work by making customers feel confident you care about their property.

Being equipped with lawn care insurance will help you get jobs where a certificate of insurance is required, and you can include the fact that you are insured in your marketing materials.

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How lawn care insurance protects your business

Our lawn care insurance is designed to help you save money to grow your business. You’ll be protected from financial losses related to:

Damage to someone’s property

Your mower clips a rock that was hidden under grass and it goes flying through a living room window. The general liability coverage in your insurance package would help pay for a replacement.

Accidents that hurt someone

A distracted jogger trips over your hose, breaks their ankle, and sues you. Your general liability coverage would also come into play here by helping to pay for medical costs and legal fees.

Theft or damage to your tools, including lawn mower insurance

An engine failure puts your riding lawn mower out of commission. You can opt for tools and equipment insurance with your general liability coverage to help pay for replacement costs.

Workplace injuries

You have to get medical care and cancel some jobs after you slip and cut your toe with an edger. This is known in the industry as workers’ compensation insurance. It can help cover medical bills and lost wages and it’s usually required by law if you have employees.

Injuries and damage involving your business vehicles

You get into a fender bender with your business truck that was ruled your fault. You can select commercial auto insurance to help pay for expenses. This is also usually required by law for business-owned vehicles.


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We believe lawn care insurance should be simple

Whether your lawn care business is a seedling or well-established, managing your policy shouldn’t be so messy.

With Next Insurance, you can purchase and manage your coverage 100% online with support from our team of licensed U.S.-based insurance advisors if you need some help.

Get a certificate of insurance in less than 10 minutes

In under 10 minutes, you can get a quote, purchase coverage and have a certificate of insurance for your new lawn care insurance policy. No more waiting for an insurance agent to call you back. With Next Insurance, the process is streamlined and painless so you can get back to work.

Why pay for more than you need?

Personalized lawn care policies and flexible pay are what set us apart from other insurance companies.

We understand your business’s seasonal nature, which is why we offer the flexibility to pay annually or monthly — and you can include coverage for other activities, such as snow removal in the winter.

Whichever option you choose, you get the same great rates.

How much does lawn care insurance cost?

Lawn care insurance coverage starts as low as $29 a month. We offer monthly payment options that can be canceled at any time with no additional fees.

Our online claims filing service is accessible whenever and wherever you need it, with support from our licensed insurance advisors.

Learn more about lawn care insurance costs.

What does lawn care insurance cover?

Lawn care insurance includes different policies that protect you from different risks. Depending on the work you do, you can customize your insurance coverage. That means you’re paying for the protection you need and not paying for any of the unnecessary add-ons that you’ll sometimes find at other insurance companies.

When you start an instant quote, you’ll see these options:

General liability Insurance

Most lawn care businesses purchase general liability insurance so they are protected from financial losses if someone other than an employee gets injured or there is damage to someone’s property.

If you want to cover replacement and repair costs for your lawn care gear, you can add tools and equipment insurance to this policy.

Our coverage also includes errors and omissions insurance at no additional cost, which will help pay for legal expenses if you are accused of a mistake or professional negligence.

Commercial auto insurance

If you frequently use a vehicle for work, you probably need commercial auto insurance. Commercial auto insurance is essential to protect your business from unexpected expenses if you or your employees are involved in an accident.

Whether you have a single work truck or a small fleet of delivery vehicles, your commercial car insurance policy can provide coverage up to your policy limit for:

  • Expenses for claims related to emergency care
  • Medical bills
  • Property damage
  • Damage to your vehicle
  • Legal fees

Learn more about commercial auto insurance.

Workers’ compensation

Workers’ compensation insurance can cover medical bills, lost wages and other expenses if you or an employee are injured on the job. Most states require it as soon as you hire your first employee.


Is liability insurance for lawn care right for me? what about my other work?

If you find yourself doing more than lawn care for clients, then you’re in good company. Many of our customers do all sorts of things. So if you’re mowing lawns one day, fixing broken stairs another, or even helping out with electricity, then you might want to review a general contractor insurance policy.

Within just a couple minutes, simply by checking off all the types of work you do, we can properly cover your full range of work. If something you do isn’t listed on the form, we, unfortunately, don’t cover it at the moment; but it may be covered in the near future.

How Next Insurance helps lawn care businesses

Next Insurance offers lawn care insurance that is designed for the self-employed and small businesses. We specialize in flexible coverage packages that can be updated as your business changes.

Start an instant quote today to review coverage options, purchase insurance and get your certificate of insurance in about 10 minutes.

Choose the Plan that’s Right for You

starting from $29 per month


General Liability

$300,000 occurrence limit
$300,000 aggregate limit
$0 deductible

Professional Liability

Not included

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General Liability

$1,000,000 occurrence limit
$1,000,000 aggregate limit
$0 deductible

Professional Liability

$10,000 occurrence limit
$20,000 aggregate limit
$500 deductible

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Pro Plus

General Liability

$1,000,000 occurrence limit
$2,000,000 aggregate limit
$0 deductible

Professional Liability

$25,000 occurrence limit
$50,000 aggregate limit
$500 deductible

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Get insurance designed for lawn care businesses

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Customer reviews

Rated 4.8 out of 5 stars, based on 1256 reviews.

Best quote with the best coverage

“I got several quotes for liability insurance for my small business.The best quote with the best coverage is Next Insurance”

Richard W.


Affordable insurance with proof of coverage

“Was able to get affordable insurance (more than I needed), with proof of coverage (as fast as I needed), with great customer service and follow up on inspection. Good Job Next Insurance!”

Stephen Q.


I am able to sign more jobs

“I was able to sign a contract same day with this speedy service. I am insured now and am able to sign more jobs.”

Gabriel R.

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