Landscaper insurance guide
Insurance for lawn care businesses
Lawn care businesses run many small jobs a day, which means lots of chances for property damage and crew injuries.
Core coverages
- General liability for property damage and client injuries
- Commercial auto for trucks and trailers
- Tools and equipment coverage
- Workers' compensation once you hire
Common lawn care claims
- Thrown rocks breaking windows and car glass
- Damaged sprinkler heads and landscape lighting
- Mower scalping or chemical burns on lawns
- Trailer accidents
Growing from solo to crews
As you add crews, revisit limits, add workers' compensation, and consider umbrella coverage for commercial contracts.
Frequently asked questions
Does a one-person mowing business need insurance?
Many clients and HOAs require general liability, and your equipment and truck need protection even if you work alone.
Are fertilizer applications covered?
Fertilizer and especially pesticide application may require specific coverage and state licensing.
Do residential clients ask for certificates?
Increasingly, especially in HOAs and higher-value neighborhoods.
More coverage and guides
- General liability for landscapers
- Workers' compensation for landscapers
- Commercial auto for landscapers
- Tools and equipment coverage
- Insurance for lawn care businesses
- Tree and shrub service insurance
- Irrigation contractor insurance
- Groundskeeping insurance
- Pesticide and herbicide liability
- What affects landscaper insurance cost
- Landscaping crew safety checklist
- Snow removal insurance
- Landscaper insurance application checklist
Last updated October 15, 2026 · How we research