Lawn Care Business Insurance: What Coverage Do You Really Need?
- Nate Jones, CPCU, ARM, CLCS, AU
- 6 days ago
- 2 min read
If you own a mowing or landscaping company, the right lawn care business insurance can protect your equipment, crew, trucks, and customer relationships. Many contractors only ask for a lawn care business insurance quote when a customer requires a COI, but understanding your coverage needs upfront helps you avoid costly gaps. Here’s a breakdown of the insurance policies that matter most for lawn care professionals.
1. General Liability Insurance (The Core Coverage)
This is the foundation of lawn care contractor protection. General Liability covers:
Property damage (e.g., a rock from your mower hits a window)
Damage to customer lawns, irrigation, or landscaping
Legal defence costs
Most commercial and residential clients require GL before hiring you. It is the first thing any insurer will quote for a lawn care business insurance quote.
2. Commercial Auto Insurance (Trucks & Trailers)
If your business owns work trucks or transports equipment, you need Commercial Auto. It covers:
Accidents involving your work vehicles
Medical bills for injured third parties
Personal auto insurance does not cover business use, so this policy is essential for mowing companies.
3. Tools & Equipment Coverage (Inland Marine)
Your mowers, trimmers, blowers, and handheld tools are the backbone of your business. Tools & Equipment coverage protects them from:
Theft
Fire
Vandalism
Damage while in transit
Consider scheduling high‑value zero‑turn mowers for more precise protection.
4. Workers’ Compensation Insurance (Required in Most States)
If you hire employees, Workers’ Comp is usually mandatory. It covers:
Medical bills for work injuries
Lost wages
Rehabilitation
Lawn care has higher injury frequency due to blades, debris, heat, and equipment, making WC essential for financial protection.
External link opportunity:Link to your state Workers’ Compensation agency.
5. Umbrella / Excess Liability (For Larger Contracts & HOAs)
Many commercial sites, HOAs, and city contracts require higher liability limits. Umbrella coverage adds an extra layer of protection above your GL and Auto policies.
Get the Right Insurance for Your Lawn Care Business
Wexford Insurance helps lawn care contractors across the country secure:
We work with carriers that specialise in contractor insurance, so you get pricing and protection built for your business.
👉 Request your lawn care business insurance quote from Wexford Insurance today and protect your equipment, crew, and livelihood.