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Lawn Care Business Insurance

Our Lawn Care Services Product provides comprehensive coverage for the unique exposures faced by today’s Lawn Care Services contractors. All coverage can be provided under a single policy.


Product Features:

  • Commercial General Liability coverage with optional Contractors Equipment coverage
  • General Liability is rated based on the number of employees.
  • Broad eligibility to include:
    • New ventures
    • Up to 10 workers
    • Receipts up to $500,000
  • Low Contractor’s Equipment deductible of $500
  • Ability to cover rented or borrowed equipment
  • Blanket Additional Insured option available
  • No General Liability Deductible Coverage:
  • General Liability (Up to):
    • $1,000,000 per Occurrence
    • $2,000,000 General Aggregate
    • Commercial Excess General Liability or Umbrella available with limits up to $5,000,000


Optional Coverage

  • Contractor’s Equipment coverage available

    • Schedules up to $150,000
    • $50,000 limit per individual piece of equipment
    • $10,000 & $20,000 equipment rental coverage options
    • Up to $15,000 available for miscellaneous tools and equipment

Additional Advantages:

  • Competitive pricing
  • Quick quote turnaround
  • Quick binder confirmation
  • Superior Policy Issuance
  • A.M. Best rated A++ carrier


Why you should choose our Lawn Care Insurance:

  • No Liability Deductible
  • Expanded definition of bodily injury to include sickness or disease caused by mental anguish or emotional distress
  • Defense costs provided outside the limit of liability
  • Up to 50% subcontracted work is eligible
  • Blanket Additional Insured Coverage is available
  • Subcontractors are not required to name our insured as an additional insured or to carry equal limits

Examples of Lawn Care Business Insurance Claims

  • Bodily Injury: The insured was cutting the lawn in residential neighborhood. While riding a lawn mower the insured struck the foot of a pedestrian who was jogging on
  • the sidewalk. The insured was found to be negligent for carelessly operating machinery and incurred a loss of $42,000. The Insured was edging a client’s garden with a weed whacker. A small stone was projected from the weed whacker and hit the client in the shin. Her medical expenses incurred totaled $2,750.
  • Property Damage: The insured was blowing leaves and grass off the sidewalk at a residential property. While operating the blower, stones were projected to a nearby
  • vehicle that sustained paint and window damage. The insured was found to be negligent for the damage and incurred a loss of over $5,000. The insured was planting a new vegetable garden for a client. As the insured dug into the ground with his shovel, he accidentally cut through a PVC pipe water line running to the client’s home. Costs to repair the piping totaled $1,480.
  • Contractors Equipment: The insured stored a piece of his equipment in the garage of his client during the day. One afternoon a fire occurred in the garage and destroyed the insured’s equipment. The insured filed a claim to replace the equipment valued at just under $10,000. The insured left his best lawn mower at a jobsite, and headed off at lunchtime for a local restaurant. When he returned, the lawn mower was gone. He made a claim for the $11,200 piece of equipment.



This document does not amend, extend or alter the coverage afforded by the Policy. For a complete understanding of any insurance you purchase, you must first read your Policy, Declaration Page and any Endorsements and discuss them with your Broker. A specimen policy is available from an Agent of the Company. Your actual Policy Conditions may be amended by Endorsement or affected by State Laws.



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