lawn care business insurance

Running a lawn care business involves unique risks, from accidental property damage to employee injuries. Protecting your business with the right insurance ensures that unexpected situations don’t derail your operations or finances. Here’s a detailed guide to understanding and securing the right coverage for your lawn care business.

Why Lawn Care Businesses Need Insurance

Lawn care companies face specific risks, such as:

• Property Damage: Accidentally damaging a client’s property while mowing or landscaping.
• Injuries: Employees getting hurt while operating equipment or on the job site.
• Theft or Vandalism: Loss of expensive tools or equipment.
• Vehicle Accidents: Damages caused by company vehicles while traveling to job sites.

Without proper coverage, these incidents could lead to lawsuits, out-of-pocket expenses, and even business closure.

Key Insurance Types for Lawn Care Businesses

1. General Liability Insurance

• What It Covers: Protects against third-party claims for property damage or bodily injury.
• Why You Need It: Covers the cost of repairs, medical expenses, and legal fees if a client or bystander is harmed.

2. Workers’ Compensation Insurance

• What It Covers: Medical expenses, lost wages, and rehabilitation costs for employees injured on the job.
• Why You Need It: Most states legally require this coverage if you have employees.

3. Commercial Auto Insurance

• What It Covers: Accidents or damages caused by vehicles used for your business, including trailers.
• Why You Need It: Personal auto policies often exclude business use, so specialized coverage is essential.

4. Equipment and Tools Coverage

• What It Covers: Protects tools and equipment from theft, damage, or loss.
• Why You Need It: Lawn care businesses rely heavily on specialized tools that are costly to replace.

5. Inland Marine Insurance

• What It Covers: Tools and equipment while in transit or at a job site.
• Why You Need It: Offers additional protection beyond general liability insurance.

6. Commercial Property Insurance

• What It Covers: Damage to your office, storage space, or other business property due to fire, theft, or natural disasters.
• Why You Need It: Ensures business continuity after unexpected events.

How Much Does Lawn Care Business Insurance Cost?

Insurance costs vary based on factors such as:

• The size of your business
• The number of employees
• The services offered (e.g., mowing vs. landscaping)
• Your claims history

On average, lawn care businesses can expect to pay:

These estimates depend on your specific business needs and the insurance provider.

How to Get the Best Insurance for Your Lawn Care Business

1. Assess Your Risks

Identify the key risks in your operations, such as employee injuries or damage to client property.

2. Choose Comprehensive Coverage

Bundle multiple policies for better protection and potential cost savings.

3. Work with a Trusted Insurance Agency

At Toby Hansen Agency, we specialize in providing tailored insurance for lawn care businesses. With access to nearly 100 carriers, we ensure you get the most coverage at the lowest rates.

4. Regularly Review Your Policy

As your business grows, your insurance needs may change. Schedule regular reviews to ensure you’re adequately covered.

Why Choose Toby Hansen Agency?

With years of experience serving small businesses, Toby Hansen Agency offers:

• Customized Policies: Tailored to meet the specific needs of lawn care businesses.
• Affordable Rates: We compare nearly 100 carriers to find the best deal.
• Expert Advice: Our team helps you understand your coverage and ensures you’re fully protected.

Get a Free Quote Today

Protect your lawn care business with comprehensive insurance from Toby Hansen Agency. Fill out the free quote form below to get started and let us handle the rest!