Insurance for lawn care can help protect you from
The costs of property damage
You accidentally damage a client’s or customer’s property while you’re working.**
Medical bills after an accident
Someone gets injured on your job site and asks you to cover medical expenses.
The cost of stolen tools
Your work equipment on a job site goes missing and needs replacing so you can get back to work.
Lawn care insurance designed to protect your business
ERGO NEXT specializes in small business insurance. Lawn care and landscaping insurance can help protect you, your business and your employees from the cost of unexpected events.
ERGO NEXT makes it easy to:
- Check prices, coverage and buy 100% online in about 10 minutes.
- Pay monthly or annually and cancel anytime.
- Get unlimited certificates of insurance (COI) at no extra cost.
You can save up to 25% in discounts on lawn service insurance
You can pay for your insurance monthly or annually and you can cancel instantly at any time.
Basic
Lowest Price
General Liability
Per occurrence
$300,000
Tools & Equipment
Per occurrence
$3,000
Workers’ Comp
Per accident
$100,000
Commercial Property
Per occurrence
$25,000
Pro
Most Popular
General Liability
Per occurrence
$100,000
Tools & Equipment
Per occurrence
$5,000
Workers’ Comp
Per accident
$500,000
Commercial Property
Per occurrence
$25,000
Pro Plus
Best Coverage
General Liability
Per occurrence
$1 million
Tools & Equipment
Per occurrence
$10,000
Workers’ Comp
Per accident
$1 million
Commercial Property
Per occurrence
$25,000
We’ll help you get the business insurance coverage you need
It’s all about managing your risk. See the different policies available for lawn care businesses and save up to 10% when you bundle two or more of our policies.
General Liability
General liability can help cover lawn care accidents and everyday risks. It can help if someone outside your business is injured or you’re responsible for property damage, and may be required by project owners or clients.
Tools & Equipment
Tools and equipment coverage can help protect your gear wherever it’s stored—vehicle, trailer, or job site. It can help if items are damaged or stolen, and is available as an add-on to general liability insurance.
Commercial Property
Commercial property insurance can help protect your equipment, inventory, and building if you own one. It can help cover items stored on-site, along with damage to the building itself.
Workers’ Compensation
Workers’ compensation insurance can help after a workplace accident. Most states require it once you hire your first employee. It can help cover medical bills and lost wages for injured employees.
How much does lawn care insurance cost?
Commercial lawn care insurance costs vary based on the risks that your business faces, such as:
- The types of projects you work on
- Where your lawn care projects are located
- Your payroll and the kinds of jobs your employees do
- The number and types of vehicles you use at work
Lawn mowing businesses can save up to 25% in discounts, depending on the kind of work you do. More risky professions can expect to pay more.
Lawn care insurance requirements
Lawn care services are almost always required to have insurance due to the risk of injury and property damage. You might need insurance to:
- Start work on a project. Clients and local governments might ask you to have active insurance — usually general liability or workers’ compensation.
- Hire employees. Most states require workers’ compensation.
- Drive for business purposes. Business-owned vehicles typically need commercial auto insurance.
- Repair or replace property you own or rent. Protect your inventory, equipment and even the building that you lease or own.
Frequently asked questions about lawn care business insurance
Here are some of the most common questions we get about affordable lawn care insurance. If you don’t find the answers you need here, our licensed, U.S.-based insurance advisors are standing by to help via online chat or phone.
How does business insurance protect lawn care services?
Our grass cutting insurance packages are designed to protect your business from a variety of risks and help you save money to grow your business. You can be protected from financial losses related to:
Damage to someone’s property
An area of the yard is overwatered, causing a leak into a neighbor’s basement. The general liability coverage in your insurance package could help pay for a replacement.**Accidents that hurt someone
A client trips over a tool that was hidden in long grass. Your general liability coverage could also come into play here by helping to pay for medical costs and legal fees.Professional mistakes
You forget to apply pesticide and some of the client’s plants die. Professional liability coverage helps you defend yourself if you’re accused of making a mistake that causes someone to lose money.Workplace injuries
An employee falls and twists their ankle while working on a sloped property. Workers’ compensation coverage can help cover medical bills and lost wages — not to mention it’s usually required by law if you have employees.Injuries and damage involving your business vehicles
Your work truck is damaged by a flood. Commercial auto coverage can help pay for the repairs. This coverage is also usually required by law for business-owned vehicles.Theft or damage to your tools
An employee forgets to lock your storage shed and several tools are stolen overnight. You can choose to add tools and equipment insurance to your general liability coverage to help pay for replacement costs.Damage to your own property
A tree falls over during a severe storm and damages the roof of your office. Commercial property insurance can help with replacement or repair costs if your owned or leased property is damaged due to a covered event, such as a burst water pipe, fire, tornado or vandalism.What do I need to get an insurance quote online?
It takes about 10 minutes to get a business insurance quote online with ERGO NEXT. We’ll ask a few questions about your business — like what you do, your location, what type of events you sell at, how many people you employ and the vehicles you use for work. You’ll choose your options and see prices. If you like what you see, you can buy online and get a certificate of insurance (proof of insurance) on the spot.
How can I get a certificate of insurance (COI)?
Once you have a ERGO NEXT policy, you’ll have 24/7 access to proof of your insurance (also called a certificate of insurance, or COI) via web or app. Log in to your account, download your COI instantly or deliver it via email or text at no additional cost. Get unlimited certificates and add an additional insured as you need them.
How do you file an insurance claim with ERGO NEXT?
If you’re a policyholder, simply log in to your account and file a claim. We’ll contact you shortly to go over the details. Our support team is standing by to help.
Coverage on-the-go for policyholders
Manage your policies, send and create certificates of insurance, or file a claim with our app.
More professions that are covered by NEXT
Appliance Technician, Carpenter, Concrete Contractor, Debris Removal, Drywall Contractor, Electrician, Excavation Contractor, General Contractor, HVAC Contractor, Home Renovation Contractor, Mason, Insulation Contractor, Painters, Paving and Asphalt Contractor, Plumber, Roofing, Siding Installation Contractor, Solar Contractor, Snow Plowing, Welding, Tile, Stone and Flooring Installer, Paperhanger, Fence Installation Contractor, Lawn Care, Landscaping