General Liability Insurance for Lawn Care Business

Running a lawn care business means more than mowing lawns—it’s about protecting your reputation, your income, and your future. One unexpected accident can put everything at risk. That’s where general liability insurance for lawn care business comes in. It provides financial protection against the risks you face daily, from property damage to customer injuries.

What Does General Liability Insurance Cover?

General liability insurance is the foundation of protection for lawn care companies. It typically covers:

• Property damage – if you accidentally damage a client’s property while working.

• Bodily injury – if someone gets injured because of your work.

• Legal costs – if a customer sues you for damages or negligence.

• Advertising injuries – protection from claims related to slander, libel, or misleading advertising.

Without this coverage, even a single claim could cost thousands of dollars and threaten your entire business.

Why Lawn Care Businesses Need It

Lawn care involves sharp tools, heavy equipment, and chemicals. Accidents can happen at any time. For example:

• A mower throws a rock and breaks a client’s window.

• A customer trips over your equipment and gets injured.

• Fertilizer damages a client’s expensive landscaping.

These are common situations where general liability insurance for lawn care business saves you from paying out of pocket.

Cost of Coverage

On average, small lawn care businesses pay between $400 and $900 per year for general liability insurance. The price depends on factors like:

• Size of your business

• Number of employees

• Services offered (basic mowing vs. full landscaping)

• Claims history

Considering the risks, the cost is small compared to the potential financial damage of an uncovered claim.

Additional Coverage to Consider

While general liability is essential, many lawn care businesses also add:

• Commercial auto insurance – to cover trucks and trailers used for work.

• Workers’ compensation – if you have employees.

• Equipment insurance – to protect mowers, trimmers, and tools from theft or damage.

If you run a lawn care business, general liability insurance protects you from lawsuits, accidents, and property damage claims. It’s affordable, often under $1,000 a year, and is the single most important policy to keep your business safe.

FAQ

1. Is general liability insurance required for lawn care businesses?
It’s not always legally required, but many clients won’t hire you without proof of insurance.

2. How much coverage do I need?
Most lawn care companies carry at least $1 million in coverage, but larger businesses may need more.

3. Can I get coverage fast?
Yes. With nearly 100 carriers available, you can compare quotes and get insured in less than 24 hours.

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