Lawn Care Business Insurance Quote Checklist for Contractors
- Nate Jones, CPCU, ARM, CLCS, AU
- 6 days ago
- 2 min read
Getting a lawn care business insurance quote is faster, and usually cheaper, when your submission is complete. Use this checklist to send a “bind‑ready” package and help underwriters deliver better options for lawn care business insurance.
1) Company Profile & Services
Legal name, FEIN, ownership %, physical & mailing address, website/socials
Service mix (mowing, trimming, aeration, fertilisation, pesticide/herbicide apps, irrigation, hardscape, tree work), service radius and seasonality
If you apply pesticides: confirm your licensing/certification. Federal law requires certification to apply or supervise Restricted Use Pesticides (RUPs) and states may require certification for all commercial applicators, verify your state rules.
2) Revenue, Payroll, Headcount & Subcontractors
Prior 12‑month revenue + next 12‑month projection
Payroll by class (owners/field/clerical), # of W‑2 employees, and any 1099s
Subcontractor spend + confirmation you collect COIs (contracts often demand it)
3) Vehicle & Driver Details (for Commercial Auto)
VIN, year/make/model, garaging addresses; list trailers and permanently mounted equipment
Driver roster with license numbers/DOBs/hire dates + MVR standards
Why it matters: personal auto policies generally don’t cover business use; carriers expect Commercial Auto if you haul equipment, visit job sites, or employee drivers use the vehicle. External link idea: Your state DOT commercial vehicle page (weight, registration, trailer rules).
4) Equipment Schedule (Tools & Equipment / Inland Marine)
Zero‑turns, walk‑behinds, trimmers/blowers, aerators, dethatchers, handhelds
Serial numbers, values, storage security (yard lighting, cameras, locks)
Photos help speed claims and underwriting (theft is a primary exposure)
5) Loss Runs & Safety Documentation
Landscaping has distinct risks (machinery, noise, debris, chemicals, heat). Aligning with OSHA landscaping guidance strengthens your submission and helps reduce claims. External link idea: OSHA’s Landscape & Horticultural Services overview for hazard controls and training resources.
6) Contract & Certificate Requirements
Sample client/HOA agreements
Required endorsements: Additional Insured, Primary & Non‑Contributory, Waiver of Subrogation, and any limit requirements
Tell your agent up front, your policy can be structured to match these terms
Get a Fast, Complete Quote With Wexford Insurance
Wexford Insurance specialises in lawn care contractors insurance nationwide. We place General Liability, Commercial Auto, Tools & Equipment (Inland Marine), Workers’ Compensation, Umbrella, and pesticide/herbicide liability with carriers that understand mowing and landscaping risks.
👉 Start your lawn care business insurance quote with Wexford Insurance today, send this checklist, and we’ll return side‑by‑side options built for your routes, crews, and contracts.