How to Save Money on Lawn Care Business Insurance Premiums
- Nate Jones, CPCU, ARM, CLCS, AU
- 7 days ago
- 2 min read
Every lawn care contractor wants the right protection, but at a fair price. If you're comparing quotes or planning for the next season, understanding how to reduce your lawn care business insurance premiums can make a big impact on your bottom line.
Here are practical, contractor‑friendly ways to save money on your lawn care business insurance quote, without cutting coverage or exposing your business to risk.
1. Bundle Your Policies With One Insurance Provider
Most carriers offer discounts if you purchase multiple coverage from them, such as:
Bundling simplifies claims handling and often lowers your monthly premium.
2. Maintain Clean Driving Records for All Crew Members
Driving is one of the biggest risks in lawn care, trucks, trailers, and daily job‑site travel. Insurance carriers reward:
Good MVRs
Safe driver hiring standards
Driving policy documentation
One high‑risk driver can raise your Commercial Auto rates significantly. Monitoring and training prevent this.
3. Improve Equipment Storage & Theft Prevention
Lawn equipment theft is common and costly. You can reduce Tools & Equipment (Inland Marine) premiums by improving your security:
Lock all trailers
Install yard cameras and motion‑lighting
Store mowers indoors
Use GPS tags or serial‑number tracking
Better security = lower risk = potential discounts.
4. Keep a Written Safety Program
Underwriters love safety‑focused companies because fewer claims mean lower long‑term pricing.
A strong safety program includes:
Equipment maintenance logs
SDS documentation (if chemical use applies)
Tailgate safety talks
Heat‑stress and hydration policies
This can reduce both Workers’ Comp and GL pricing over time.
5. Raise Your Deductible
If your business rarely files claims, choosing a slightly higher deductible can reduce your premiums. Just make sure:
The deductible is still affordable
You keep enough cash reserves
You’re not raising it too high just to save a small amount
Ask Wexford Insurance to compare multiple deductible options.
6. Only Buy the Coverage You Actually Need
Some carriers include add‑ons you may not require. On the other hand, some contractors accidentally under‑insure themselves and face costly gaps later.
Review your operations annually:
Do you apply chemicals?
Do you offer tree trimming?
Do you do snow removal in winter?
Did you add or remove equipment?
A quick coverage review can prevent paying for protections you don’t need.
7. Work With an Insurance Agency That Specializes in Lawn Care
Specialised agencies like Wexford Insurance, have access to programs designed specifically for mowing and landscaping contractors. That means:
Better pricing
Fewer exclusions
Faster certificates
More accurate coverage bundles
This alone often saves contractors hundreds per year.
Save Money on Lawn Care Insurance With Wexford Insurance
Wexford Insurance helps lawn care contractors nationwide lower premiums without sacrificing coverage. We shop multiple carriers to find the best combination of:
👉 Request your lawn care business insurance quote from Wexford Insurance today and start saving while staying fully protected.
