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Lawn Care Business Insurance: Essential Coverage for Seasonal Risks

Close up of a lawn mower on grass

Operating a lawn care or landscaping enterprise entails more than simply maintaining lawns and cultivating flowers. It also includes managing the distinct risks of each season, ranging from equipment malfunctions to liability issues. This blog will explore the essential lawn care business insurance coverages that can protect operations, workforce, and customers against unexpected incidents all year round.

General Lawn Care Liability Insurance

Seasonal risks pose a significant concern as the potential for accidents or damage tends to escalate with the changing seasons. For instance, weather changes can result in slippery conditions, leading to increased accidents. High demand can mean frequent use of machinery, leading to more accidents and injuries.

General lawn care liability insurance covers third-party claims for bodily injury, property damage, and advertising injury. For instance, if a client trips over your equipment and gets injured or if you accidentally damage a client’s property while working, this insurance can cover the associated costs.

Additional Insured Coverage

During high demand, you might outsource or partner with other contractors to accommodate more clients and projects. Or during slow periods, you may take on work as a subcontractor for larger firms. Either way, you want protection with lawn care business insurance with this type of coverage.

When working with another party, you will want to ensure you have a “hold harmless” agreement that works in your favor. This means that the other party can’t deem you responsible for incidents caused by them

Commercial Auto Coverage

It is important to be aware of the potential hazards of changing weather conditions, such as snow, ice, and heavy rain, as they can increase the likelihood of auto accidents. Businesses must ensure vehicles are appropriately insured to protect against any unforeseen incidents, particularly during the winter months and periods of heavy rainfall.

Commercial auto coverage plays a major role in lawn service insurance since vehicles transport tools, equipment, or employees. This specialized type of insurance provides needed coverage for damages and liabilities that may arise from accidents involving your company’s fleet of vehicles.

Inland Marine Insurance

Your landscaping business relies on specialized equipment, but transporting it between jobs, especially during high seasonal demand, can lead to greater risks. Damage and theft can severely disrupt your operations. Inland marine insurance is a specialized type of insurance coverage that protects your valuable equipment and goods in transit between different job sites. This part of lawn business insurance benefits businesses that frequently transport their assets, providing financial protection against losses or damages that may occur during transportation.

Workers’ Compensation Insurance

The heightened risk of heat-related illnesses during the summer months or an increased susceptibility to injuries during periods of high demand underscores the importance of ensuring that your employees are adequately protected. New hires and younger workers are more prone to work-related injuries than their experienced counterparts.

Workers’ compensation insurance, as part of your lawn care business insurance, covers medical bills, rehabilitation costs, and lost income for employees who sustain injuries while performing their duties.

Get Year-Round Protection for Your Business

Each season brings unique challenges and risks for lawn care and landscaping businesses. By securing customized lawn care liability insurance, businesses can get comprehensive coverage tailored to these seasonal risks.

Let the Colby Insurance Group help you find the best policies for you. The average cost of lawn care insurance depends on your policy and needs. We have experience in this industry to find the best solution for you.

Learn more about our specialized landscaping insurance today.

This post is for informational purposes. The details and conditions of insurance policies vary. We always recommend speaking with an agent to understand the terms of your existing policies and the policies you plan to purchase.

To consult with an insurance advisor, call 800-392-6532 or email