How to Get a Lawn Care Business Insurance Quote in 2026
- Nate Jones, CPCU, ARM, CLCS, AU
- 7 days ago
- 2 min read
If you own a lawn mowing company or a full‑service landscaping operation, shopping for lawn care business insurance doesn’t have to be confusing. This quick guide explains the info insurers need, what affects the insurance cost for lawn care contractors, and how to get a lawn care business insurance quote, fast.
1) Gather the Basics Insurers Ask For
Create a simple quote packet you can send to agencies (and reuse at renewals):
Business details: legal name, address, years in business, services (mowing, trimming, fertilisation, pesticide/herbicide application, snow add‑on, tree work).
Payroll & headcount: owners, W‑2s, seasonal workers, and any subcontractors.
Revenue & service radius: last 12 months and projected 12 months, typical ZIPs you serve.
Equipment & autos: trucks, trailers, riding mowers, handhelds, include VINs and approx. replacement values.
Loss history (3–5 years): claims, dates, amounts, what you changed afterwards.
2) Understand the Core Coverage
Most lawn care business insurance programs bundle:
General Liability: If you damage a client’s property or someone is injured around your work.
Commercial Auto: For trucks, trailers, and on‑road liability.
Inland Marine (Tools & Equipment): Covers mowers, handhelds, and gear on the go.
Workers’ Compensation: Required in most states when you have employees.
Umbrella/Excess Liability: Extra limits for bigger jobs or HOA/commercial contracts.
Professional/Pesticide/Herbicide Liability (as needed): If you advise on turf care or apply chemicals, ask your agent about endorsements or a separate policy.
3) What Impacts the Insurance Cost for Lawn Care Contractors?
Carriers price on exposure and controls. Common drivers:
Services & mix: mowing-only vs. aeration, hardscaping, or chemical apps.
Claims history & safety program: toolbox talks, PPE, equipment lock‑outs.
Fleet profile: driver records, telematics/dash cams, vehicle values.
Payroll & revenue: higher volume often means higher exposure.
Contract terms: COIs, additional insureds, and higher limits for commercial sites or HOAs.
4) Request Multiple Quotes, But Package the Story
The fastest way to a better lawn care business insurance quote is to send a complete, consistent submission to one specialist agency, so they can market your account to multiple carriers. Ask for at least two program options (a standard‑limits package and a higher‑limits package with an umbrella) so you can compare protection vs. price.
5) Make Your Account “Underwriter‑Ready”
A few simple upgrades can earn credits/discounts and unlock better markets:
Written equipment and trailer checklist (with VIN/serials).
Driver standards + MVR checks for new hires.
Incident log with corrective actions.
Proof of subcontractor COIs (if you use subs).
Photos of trucks/mowers in good condition and a neat yard/shop.
Get a Lawn Care Business Insurance Quote With Wexford Insurance
Wexford Insurance helps lawn care contractors nationwide place General Liability, Commercial Auto, Inland Marine, Workers’ Compensation, Umbrella, and Pesticide/Herbicide Liability, often with same‑day indications when your info is ready.
👉 Start your lawn care business insurance quote with Wexford Insurance today and get a side‑by‑side comparison built for your mowing season and budget.
