Insurance for Lawn Care Services
Our lawn care services product provides comprehensive coverage for the unique exposures faced by today’s lawn care services contractors. All coverages can be provided under a single policy.
Target Risks: (Not limited to those below)
- Primary operations are mowing, raking/blowing of leaves, seeding, weeding and trimming of the lawns
- Operations in AL, AR, AZ, CA, CO, FL, GA, HI, ID, MS, MT, NC, ND, NM, NV, OK, OR, SC, SD, TN, TX, UT, WA and WY**
- Up to 10 employed workers and $500,000 in annual sales
- And more!
*For risks with additional operations, please see our Artisan/Trade Contractors product
*For risks with operations in other states, please see our Artisan/Trade Contractors product
Ineligible for Online Quoting:
Please note we cannot offer coverage to the following:
- Located in AK, LA or WV
- Handyman operations such as painting, plumbing or carpentry
- Street cleaning or debris removal
Coverages Available for Lawn Care Services
- General liability up to $1,000,000/$2,000,000
- Contractors’ equipment – schedules up to $150,000
- Miscellaneous tools up to $15,000
Optional Coverage For Lawn Care Services
- Excess general liability up to $5,000,000
Claim Example for Lawn Care Services
Bodily Injury: The insured was cutting the lawn in a 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 repaired a broken water sprinkler at a residential property. After leaving the premises, the repaired sprinkler broke again and flooded a portion of the house causing water damage. Costs to repair the water damage in the home totaled over $22,000.
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.