What Kind of Insurance Do I Need for a Lawn Care Business?
- Nate Jones, CPCU, ARM, CLCS, AU
- Sep 30
- 2 min read
Running a lawn care business involves more than just mowing lawns and trimming hedges—it also means protecting your business from unexpected risks. Whether you're just starting out or expanding into commercial contracts, having the right insurance coverage is essential.
At Wexford Insurance, we specialize in helping lawn care contractors find tailored insurance solutions that meet industry requirements and protect your bottom line. In this guide, we’ll break down the types of insurance your lawn care business needs and why they matter.
Why Lawn Care Insurance Matters
Lawn care businesses face unique risks, including:
Property damage to client lawns or structures
Injuries to employees or third parties
Equipment theft or breakdown
Auto accidents involving work vehicles
Legal claims from dissatisfied clients
Without proper insurance, a single incident could cost thousands—or even put you out of business.
Essential Insurance Policies for Lawn Care Businesses
This is the foundation of your coverage. It protects you if a client claims you caused property damage or bodily injury during a job.
💡 Example: A rock flies from your mower and breaks a window—this policy covers the repair costs.
If you use a truck or trailer to transport equipment, personal auto insurance won’t cover business-related accidents. Commercial auto insurance protects your vehicles, drivers, and others on the road.
Your tools are your livelihood. This policy covers repair or replacement if your equipment is stolen, damaged, or lost—on or off the job site.
If you have employees, most states require workers comp. It covers medical expenses and lost wages if an employee is injured on the job.
If you operate out of a shop or store equipment in a garage, this policy protects your building and contents from fire, theft, or natural disasters.
This adds an extra layer of protection beyond your general liability and auto policies—ideal for businesses with high-value contracts or multiple crews.
How to Choose the Right Insurance Provider
Not all insurance agencies understand the lawn care industry. At Wexford Insurance, we work exclusively with lawn care and landscaping contractors. We help you:
Meet commercial contract requirements
Avoid coverage gaps
Get competitive rates from top carriers
Understand your policy in plain language
Final Thoughts
Insurance isn’t just a formality—it’s a smart investment in your business’s future. With the right coverage, you can take on bigger jobs, hire employees, and grow with confidence.
Let Wexford Insurance be your partner in protection. We understand the lawn care industry and offer insurance solutions built for your business.
Contact us today.
