Business
Lawn Care and Landscaping Business Insurance
Published September 24, 2026 · Last updated September 30, 2026
Advertiser disclosure: AssistQuote may be paid when you visit or do business with a partner through our links. The provider sets your price. How we make money
The short answer
Lawn care businesses pay about $57 a month for general liability insurance, based on Insureon's customers. That's the policy that pays if a mower throws a rock through a client's window or you damage a sprinkler line.
Most lawn and landscaping businesses also need commercial auto for the truck and trailer, coverage for mowers and tools, and workers' comp once they hire help.
Thimble is a participating provider that offers landscaping and lawn care insuranceSponsored online for small businesses.
- No phone number neededSee costs and options before you share any contact details.
- Real price ranges, with sourcesWe name where every number comes from and when it was published.
- You choose who to contactWe show options. You decide if, when and who to reach out to.
We never ask for a Social Security number, date of birth or documents.
What lawn care insurance costs
Price range
Here's what lawn care businesses paid per month, on average:
| Policy | Per month | Per year |
|---|---|---|
| General liability | $57 | $685 |
| Business owner's policy (BOP) | $85 | $1,025 |
| Workers' comp | $123 | $1,476 |
| Commercial auto | $255 | $3,062 |
| Tools and equipment | $42 | $503 |
| License or permit bond | $9 | $112 |
Not a quote or an offer. Your price comes from the insurance company. Source: Insureon, 2026 (median cost for its lawn care customers).
What moves the number
- The work you do. Mowing costs less to cover than tree work or chemical spraying.
- Your payroll and sales. More crews means more risk.
- Your vehicles. Trucks, trailers, and how far you drive.
- Your equipment's value.
- Where you work and your claims history.
Which policies lawn care businesses need
General liability. Pays if you damage a client's property or someone gets hurt because of your work. Common claims: rocks thrown by a mower, a cut irrigation line, or someone tripping over a hose. See general liability insurance.
Commercial auto. Covers your truck while you use it for work. Ask about your trailer too. A personal auto policy may not cover business use. See commercial auto insurance.
Tools and equipment. Pays if mowers, trimmers, or blowers are stolen from your trailer or damaged on a job. This is usually an inland marine policy. See inland marine insurance.
Workers' comp. Pays medical bills and lost wages if a worker gets hurt, like a cut from a blade or a heat illness. Most states require it once you have employees. The number of employees that triggers it varies by state. For example, Florida requires it for most non-construction businesses with 4 or more employees, but for construction businesses with just 1. Some landscaping work may count as construction, so check the state's list of trades. Texas lets most private employers choose. See workers' comp.
Business owner's policy (BOP). Bundles general liability with coverage for your shop or storage space.
Bonds. Some cities and clients require a license or permit bond. See surety bonds.
Spraying weeds or pests? Check licensing first
Federal law requires anyone who applies restricted-use pesticides to be certified. Many states go further and require a license for any pesticide use done for pay, even common weed killers. Check with your state's pesticide agency before you offer spraying.
Tell your insurer if you apply chemicals. Some general liability policies may limit or exclude pesticide and herbicide claims unless you add coverage.
What to ask before you choose
- "Does this cover damage from thrown objects?"
- "Is my trailer and the equipment on it covered?"
- "Are pesticide and herbicide claims covered?"
- "Does it cover tree trimming or removal?" Tree work is often priced separately, and some policies exclude it.
- "Can I add a client as an additional insured?" HOAs and commercial clients often require it.
The catch: if you tell your insurer you only mow, and a claim comes from tree work or spraying, the claim may be denied. Describe all your services when you get a quote.
Keep reading
Just starting out? See how to start an LLC and what an EIN is. Need new equipment? Compare equipment financing. See all small business insurance costs.
Insurance by trade: Contractor insurance · Builder's risk · Cleaning business insurance · Handyman insurance · Food truck insurance · All business services
Why AssistQuote is different
On some websites
They ask who you are first
Some forms want your name and phone number before they show you anything useful. You may not know which companies will get it, or how many will call.
Here, you choose
Answer a few questions without giving your name, email or phone number. See prices, what to ask, and providers to explore. You choose who to contact and what to share with them.
- 1
Check local costs
See typical price ranges for your area and what moves the price up or down.
- 2
Tell us what you need
Answer a few questions about the work, not about who you are.
- 3
You decide what's next
Save or email your options, or visit a provider when you're ready.
Cost information is not a live rate, quote or offer. A provider shown here is not an endorsement. Each provider sets its own prices, privacy and contact rules.
Questions people ask
Ready to see landscaping insurance options in your area?
Start with your ZIP code. You will see typical local costs and options to explore. No phone number, email or name needed to look.
You choose if, when and who to contact.
Related services
General Liability
Compare general liability options for your business.
LLC Insurance
See which policies an LLC needs, and what forming an LLC does not cover.
Small Business Insurance Cost
See typical monthly costs by coverage type and what moves your price.
Workers' Comp
Compare workers' compensation options for your employees.