Insurance Cost for Lawn Care Contractors: 2026 Pricing Guide
- Nate Jones, CPCU, ARM, CLCS, AU
- 7 days ago
- 2 min read
If you run a mowing or landscaping company, understanding the insurance cost for lawn care contractors is essential when planning your 2026 budget. Many contractors only request a lawn care business insurance quote once a customer asks for a COI but knowing price ranges and cost drivers ahead of time helps you choose coverage confidently while avoiding unnecessary expenses.
Below is a pricing guide based on current national averages.
Average Lawn Care Business Insurance Costs in 2026
Insurance costs vary depending on the size of your company, where you operate, the services you offer, and how much equipment you carry. Here’s what most small lawn care contractors pay in 2026:
$46/month on average ($550/year) for a lawn care business
About $38/month ($452/year) for small operations
Around $38/month, depending on mower and equipment value
Roughly $190/month for trucks and trailers used in daily lawn care work
Bundled Business Insurance Package (Recommended)
Average $266/month ($3,193/year) for a combined BOP, Workers’ Comp, and Professional Liability policy
General Range for Small Lawn Care Businesses
Between $40–$70 per month for a standard starter package
Mid‑Size Landscaping Companies
Contractors with higher payroll and revenue (ex: $500K sales, $200K payroll) often pay $4,200–$19,000 per year, depending on work type and location.
Pricing Insights for Lawn Care Businesses
Insurance carriers evaluate your exposure, equipment value, and service type to determine how much you’ll pay. For example, a company offering only mowing and trimming pays far less than one offering fertilising, pesticides, tree trimming, or hardscaping, which carry higher liability risks. Many carriers categorise lawn care as lower‑risk compared to landscape construction, which is why mowing‑focused businesses typically see lower GL and WC rates.
Your state also plays a major role. Workers’ compensation rates for lawn care workers range significantly, from $1.45 to $5.22 per $100 payroll, depending on the state. That means a business with $200,000 in payroll could pay anywhere from $2,900 to over $10,000 annually for WC coverage alone.
Get a Lawn Care Business Insurance Quote From Wexford Insurance
Wexford Insurance works with lawn care businesses nationwide, from solo operators to full‑service crews. We help contractors secure:
We shop multiple lawn‑care‑friendly carriers to find the right protection and price.
👉 Request your lawn care business insurance quote from Wexford Insurance today and compare customised pricing built for your business.