What Affects the Price of Lawn Care Business Insurance?
- Nate Jones, CPCU, ARM, CLCS, AU
- 7 days ago
- 2 min read
If you own a lawn mowing or landscaping company, understanding what drives the price of lawn care business insurance can help you plan ahead, reduce costs, and secure the right protection. Whether you’re shopping for a lawn care business insurance quote or renewing your current policy, carriers evaluate several core factors before determining rates.
Here’s a breakdown of what affects pricing in 2026, based on current market data and national averages.
1. The Services You Offer
Insurance for a mowing‑only business is usually much cheaper than coverage for companies that:
Install irrigation
Perform tree trimming
Apply fertilisers, pesticides, or herbicides
Insurance classifications directly impact pricing. Basic lawn care (code 97050) averages 0.4%–1.2% of revenue, while landscape installation (code 97047) has higher rates at 0.6%–1.8% of revenue. Hardscaping can climb to 1.0%–2.0%+.
2. Payroll and Number of Employees
Workers’ Compensation insurance is heavily influenced by state and payroll size.For example, lawn care WC rates (class code 9102) range from $1.45 to $5.22 per $100 payroll depending on the state.
A company with $200,000 payroll could pay anywhere from $2,900 to $10,440/year just for Workers’ Comp—same work, different states.
3. Value of Your Equipment
If you insure:
Zero‑turn mowers
Trailers
Trimmers/blowers
Aerators, dethatchers, or snow equipment
Your Inland Marine (Tools & Equipment) pricing increases with total value. Average cost is around $38/month, but higher for fleets of mowers.
External link opportunity:Link to your equipment brand or mower financing partner to educate readers.
4. Vehicles, Drivers & Commercial Auto Exposure
Lawn care businesses with more trucks or trailers pay higher Commercial Auto premiums.The average contractor pays about $190/month for Commercial Auto coverage.
Carriers also analyze:
Driver MVR history
Vehicle age and condition
Daily service radius and mileage
5. Claims History & Safety Practices
A clean loss history lowers your premiums. Frequent claims, property damage, injuries, or auto accidents, raise rates dramatically. Carriers also reward:
Written safety plans
Training for equipment use
Secure overnight storage
GPS/telematics in trucks
Need a Fair Lawn Care Business Insurance Quote?
Wexford Insurance helps lawn care contractors nationwide secure:
We shop top carriers that specialise in lawn care insurance so you don’t overpay.
👉 Request your lawn care business insurance quote from Wexford Insurance today and get pricing tailored to your services, equipment, and team.
