How much is lawn mowing insurance?
Lawn care insurance costs are determined by your coverage limits, deductibles, types of policies purchased, and several other factors. Save money on small business insurance by comparing quotes from different providers with TechInsurance.
Key lawn service insurance policies and their expected costs
Here are the top lawn care business insurance policies purchased and their average monthly costs:
- General liability insurance: $46 per month
- Business owner's policy (BOP): $84 per month
- Workers' compensation insurance: $143 per month
- Contractor's tools and equipment insurance: $38 per month
- Commercial auto insurance: $190 per month
Our figures are sourced from the median cost of policies for landscaping companies that apply for quotes with Insureon. The median offers a better estimate of what your business is likely to pay because it excludes outlier high and low insurance premiums.
Factors that can affect lawn service insurance costs include the landscaping and mowing services you offer, your business equipment and property, your annual income, the number of employees you have, your claims history, and the coverage limits and deductible you choose.
General liability insurance for lawn mowing businesses
Lawn care business owners spend an average of $46 per month, or $550 per year, on general liability insurance. This policy is referred to as public liability insurance.
General liability coverage helps protect landscaping businesses from common risks, such as third-party property damage and bodily injuries. For instance, if a crew member accidentally damages a client’s outdoor furniture with a mower, this policy could cover the repair costs along with any related legal fees.
It can also provide coverage if your business is sued for advertising injuries, like defamation or copyright infringement.
Many lawn care professionals are asked to show proof of general liability insurance before signing a lease for commercial space or finalizing a contract with a client.
Here’s what a typical general liability insurance for a lawn care business looks like purchased through TechInsurance:
Premium: $46 per month
Policy limits: $1 million per occurrence; $2 million aggregate
Deductible: $250
The cost of general liability insurance depends on factors such as your policy limits, the size of your company, how many customers you serve, and any optional endorsements you add—like coverage for pesticide or herbicide application or additional insured status.
Business owner’s policy for lawn mowing businesses
Small, low-risk lawn care service businesses may be eligible for a business owner’s policy (BOP), which costs an average of $84 per month or $1,013 annually.
A business owner's policy bundles general liability coverage with commercial property insurance at a lower rate than buying these policies separately. It protects against the most common liability and property lawsuits. This includes safeguarding your business from financial loss due to a fire, burglary, or other property claim.
You can add business interruption insurance to a BOP to defend against the cost of a temporary shutdown tied to a covered property claim. For example, it would help pay for employee wages and the cost of renting an office while your lawn business is closed for renovation after a fire.
Here’s what a typical business owner's policy purchased through TechInsurance looks like:
Premium: $84 per month
Policy limits: $1 million per occurrence; $2 million aggregate
Deductible: $500
The cost of a business owner's policy mostly depends on the value of your business property. Other factors, such as your business's size and location, can also affect your premium.
Workers’ compensation insurance for lawn mowing businesses
For lawn care professionals, the average cost of workers’ compensation insurance is $143 per month, or $1,713 per year.
This policy helps cover medical expenses and lost wages if you or an employee is hurt or becomes ill while working. For example, if a crew member gets sick after being exposed to pesticides, workers’ comp can help pay for their medical bills and offer wage replacement during recovery.
Most states require businesses with employees to carry workers’ compensation coverage to stay compliant and avoid costly penalties. Requirements vary by state—for instance, California mandates coverage for any lawn care company with at least one employee, while Texas doesn't have any specific workers' comp requirements.
Even sole proprietors often choose this coverage, since health insurance usually won’t pay for work-related injuries. Having workers’ comp in place acts as a financial safeguard and offers peace of mind, so you don't have to handle the bills out of pocket.
Your workers' comp premium will depend on factors like the number of employees you have and the level of risk involved in their work. Lawn care companies can often reduce costs by ensuring employees are classified correctly and by putting safety programs in place to limit workplace accidents.
Find workers' comp requirements in your state
Contractor’s tools and equipment insurance for lawn mowing businesses
Lawn mowing businesses typically pay an average of $38 per month, or $450 yearly, for contractor's tools and equipment insurance.
A form of inland marine insurance, this policy covers your business property whether it’s in transit, at a jobsite, or stored off-site. Tools insurance can pay for lost, stolen, or damaged tools and equipment valued at $10,000 or less. This includes your lawn mowers, trimmers, leaf blowers, and more.
It's important for lawn care professionals to carry this coverage, as commercial property insurance covers items only at your main business location.
As with the cost of commercial property insurance, the cost of contractor's tools and equipment coverage mostly depends on how much the items are worth.
Commercial auto insurance for lawn mowing businesses
Lawn service contractors pay an average of $190 per month, or $2,285 per year, for commercial auto insurance.
This type of business insurance coverage pays for property damage and medical expenses from accidents involving your company vehicles, such as your business-owned truck. It can also cover vehicle theft, vandalism, and weather damage.
Most states require this type of insurance for vehicles owned by your landscaping business. For personal, rented, and leased vehicles used for work purposes, look to hired and non-owned auto insurance (HNOA) instead.
Insurance companies consider many factors when determining the cost of a commercial auto policy. That includes your employees' driving records, policy limits and deductibles, the number of vehicles you own and their value, and the coverage options you choose.
How do I get affordable lawn care insurance with TechInsurance?
Lawn care, landscape design, tree service, and other landscaping professionals can find cheap lawn care insurance in three easy steps with TechInsurance:
- Fill out a free online insurance application with details about your business.
- Compare custom business insurance quotes from top-rated U.S. providers in real-time.
- Choose the best policies for your business and pay the premiums to begin coverage.
TechInsurance's licensed insurance agents are available to help answer questions about state insurance requirements, the best types of coverage for your business needs, and landscaping insurance costs based on your budget.
Once you've bought a policy, you can download a certificate of insurance (COI) for peace of mind and proof of insurance. Small business owners usually get insured within 24 hours of applying for quotes.
