Key Takeaways

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Nationwide is the best business insurance company for lawn/landscaping firms because it offers the greatest balance of customer service and coverage.

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The cheapest overall commercial insurance provider for lawn/landscaping businesses is Thimble, with low monthly rates for various coverage types.

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To shop for business insurance for your lawn/landscaping business, assess the risks in your industry, consult agents and other similar organizations and compare multiple options.

Compare Small business Insurance Rates

Ensure you're getting the best rate for your small business insurance. Compare quotes from the top insurance companies.

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Best Business Insurance for Lawn/Landscaping Companies

Nationwide earned our top spot for the best small business insurer for lawn/landscaping companies due to its excellent customer service and comprehensive coverage. However, we recommend comparing quotes from our other top picks, including The Hartford, Simply Business and Thimble.

Nationwide939591
The Hartford939291
Simply Business929483
Thimble919881
Coverdash919283
Chubb898887
Progressive Commercial899281
NEXT Insurance878094
biBERK868291
Hiscox838087

*All scores were based on a lawn/landscaping business with two employees across professional liability, general liability, workers' comp and BOP policies.

Nationwide

1. Nationwide

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pros

  • Second-most affordable overall

  • Excellent customer service scores

  • Large coverage selection

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cons

  • Can't purchase policies online

COMPANY HIGHLIGHTS

Nationwide secured a strong position in our lawn and landscaping business insurance rankings by delivering exceptional value, particularly for essential coverage types. The company stands out as the second-most affordable option for both BOP and general liability insurance. Nationwide's consistent customer service ratings further enhance its appeal, with policyholders regularly praising the insurer's responsive support and efficient claims handling.

The Hartford

2. The Hartford

*on The Hartford
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pros

  • Lowest professional liability insurance rates

  • Extensive experience with over 200 years in the industry

  • Highest financial stability ratings

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cons

  • Less affordable for workers' comp policies

COMPANY HIGHLIGHTS

The Hartford has secured the runner-up position in our lawn/landscaping business insurance rankings. Professional liability coverage represents a particular strength for the company, offering the market's most competitive rates at an average of $46 monthly.

Customer satisfaction is another key differentiator for The Hartford, which achieved second place in our overall customer experience evaluation based on positive feedback from over 10,000 policyholders spanning multiple industries and coverage categories. The company's A+ financial stability rating from AM Best, the highest in our analysis, provides additional confidence that claims will be processed and paid reliably when needed.

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3. Simply Business

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pros

  • Competitive rates overall

  • Convenient online process

  • Wide range of coverages

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cons

  • Policies are underwritten by third-parties

  • No direct claim handling

  • Fewer coverage options than other insurers

COMPANY HIGHLIGHTS

Simply Business earned third place in our lawn/landscaping business insurance rankings by providing a valuable marketplace platform that connects companies with multiple specialized insurance providers. It allows business owners to easily compare various coverage options and premium rates from different insurers, streamlining the often complex process of finding appropriate policies. This approach is particularly beneficial for lawn and lanscaping companies that need specialized coverage for their unique operational risks and regulatory requirements.

Compare Small business Insurance Rates

Ensure you're getting the best rate for your small business insurance. Compare quotes from the top insurance companies.

Why do we need ZIP code?

Cheapest Business Insurance for Lawn/Landscaping Firms

Based on our study of business insurance pricing, Thimble offers the cheapest overall commercial insurance for lawn/landscaping companies across most policy types. However, this applies only to lawn/landscaping companies with two employees, and you may find lower rates elsewhere. Below are the most affordable providers by major coverage types.

Cheapest General Liability Insurance for Lawn/Landscaping Companies

With an average monthly rate of $49, Thimble offers the lowest-cost general liability insurance for lawn/landscaping companies. Even so, consider getting quotes from the next-most-affordable insurers: Nationwide and Simply Business.

Thimble$49$590
Nationwide$74$888
Simply Business$82$981
Coverdash$96$1,153
Progressive Commercial$96$1,149
The Hartford$105$1,259
Chubb$122$1,464
biBERK$186$2,229
NEXT Insurance$207$2,479
Hiscox$211$2,535

Cheapest Workers' Comp Insurance for Lawn/Landscaping Companies

For lawn/landscaping businesses shopping for workers' comp insurance, Thimble tops our list as the most affordable insurer, with average rates of $16 per month or $193 yearly. However, you may find more affordable rates with Progressive Commercial, Simply Business, Coverdash and Hiscox.

Thimble$16$193
Progressive Commercial$17$209
Coverdash$18$221
Hiscox$18$216
Simply Business$18$215
The Hartford$18$219
biBERK$19$228
NEXT Insurance$19$225
Nationwide$20$243
Chubb$22$260

Cheapest Professional Liability Insurance for Lawn/Landscaping Companies

The Hartford offers the most affordable professional liability insurance options for lawn/landscaping companies, with low average monthly rates of $46. You may also want to compare prices from other low-cost providers like NEXT Insurance, Progressive Commercial and Thimble.

The Hartford$46$551
NEXT Insurance$48$575
Progressive Commercial$49$585
Coverdash$51$618
Hiscox$51$608
Simply Business$51$608
Thimble$51$618
biBERK$53$631
Nationwide$55$664
Chubb$60$716

Cheapest BOP Insurance for Lawn/Landscaping Companies

Thimble provides the most affordable BOP coverage for lawn/landscaping companies, with an average yearly cost of $912 for bundled general liability and property protection. That’s a savings of roughly $421 annually compared to Nationwide, the second most affordable option.

Thimble$76$912
Nationwide$111$1,333
Simply Business$122$1,466
The Hartford$135$1,616
Coverdash$139$1,669
Progressive Commercial$143$1,713
Chubb$184$2,209
biBERK$242$2,899
NEXT Insurance$300$3,604
Hiscox$317$3,805

What Type of Coverage Do You Need for a Lawn/Landscaping Business?

Most companies with employees are legally required to carry workers' comp insurance, and businesses that use vehicles must have commercial auto coverage. Many clients or contracts also require businesses to carry general liability insurance before starting work. A surety bond may also be necessary in certain industries, especially when contracts require guarantees of service or compliance.

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RECOMMENDED LAWN/LANDSCAPING BUSINESS COVERAGE

General liability insurance is strongly recommended for lawn/landscaping companies because it covers common risks like bodily injury, property damage and legal defense costs. Professional liability insurance is also a smart option for businesses that work under client contracts or provide specialized services. This coverage becomes especially useful for companies offering specialized services or handling large contracts where the risk of disputes is higher.

Coverage Recommendations by Lawn/Landscaping Company Type

We've organized a list of lawn/landscaping services by their risk exposure and insurance needs. The list starts with services facing the highest claim risk, helping businesses understand their coverage requirements.

Lawn/Lanscaping Company Type
Coverage Types Recommendation
Most Common Insurance Claims
Most Common Reasons For Litigation

Gardening Companies

Workers' Comp (high limits), General Liability, Commercial Auto, Tools & Equipment, Umbrella Policy ($2M+), Professional Liability, Pesticide/Chemical Application Coverage

Back/lifting injuries from heavy lifting, cuts from sharp tools (pruners, shears), chemical exposure/burns from fertilizers and pesticides, eye injuries from debris, equipment-related accidents, property damage from mowers/trimmers

Workers suing for repetitive stress injuries and chemical exposure claims, property owners suing for plant/lawn damage from over-treatment, slip and fall accidents on wet surfaces, damage to underground utilities, allergic reactions to chemicals, regulatory fines for improper pesticide use

How to Get the Best Cheap Business Insurance for Your Lawn/Landscaping Company

Below is our step-by-step guide for finding the best and cheapest business insurance for your lawn/landscaping company.

  1. 1

    Decide on coverage needs before buying

    Consider risks specific to your business for claims, get advice from similar businesses, talk to agents and research the types of business insurance. This will give you a balanced perspective on your coverage needs and prevent you from being convinced to get excessive coverage.

  2. 2

    Research costs

    To ensure you get the best deal, research average costs for your business profile and determine which providers offer the cheapest rates overall. This will give you a measuring stick for how much you're saving when comparing quotes and which companies to start with.

  3. 3

    Look into company reputations and coverage options

    To further narrow your list, research what customers say on online rating sites and forums to get a more comprehensive look at company services. Also, to align with your coverage needs and future ones, research coverage options to ensure you're covered for the right items.

  4. 4

    Compare multiple quotes through different means

    The tried-and-true method for finding the best deal is to compare multiple quotes for apples-to-apples coverage. Pricing differs by your comparison method, whether with captive agents, comparison sites, company websites or independent agents.

  5. 5

    Reassess annually

    Your business situation will change, influencing your rates and coverage needs. Repeat these steps annually to ensure you still have the best deal.

How to Decrease Your Lawn/Landscaping Business's Liability Risk

Lowering your risk of claims is a key strategy to manage insurance costs effectively. Below, you'll find practical risk-reduction strategies tailored to your lawn or landscaping business type.

Lawn/Landscaping Business Risk Type
Included Types of Lawn/Landscaping Businesses
Risk Mitigation Tactics

Highest

Tree removal/large tree services, excavation and grading, retaining wall construction, irrigation system installation, pesticide/herbicide application, commercial property maintenance

  • Specialized certification and licensing (arborist certification, pesticide applicator license, heavy equipment operation)
  • Advanced safety protocols (fall protection, electrical hazard awareness, chemical handling, emergency procedures)
  • Equipment safety training (chainsaw operation, heavy machinery, hydraulic systems, crane operation)
  • Comprehensive insurance coverage (commercial liability, equipment coverage, environmental liability, workers' compensation)

Best Insurance for Lawn/Landscaping Business: Bottom Line

Nationwide is the best insurer for lawn/landscaping business insurance, while Thimble offers the cheapest option overall. We also recommend getting quotes from The Hartford, Simply Business and Coverdash. For the best deal, talk to agents, research providers and pricing and compare multiple quotes side by side.

Lawn/Landscaping Business Insurance: FAQ

This section answers common questions about business insurance for lawn and landscaping companies.

Who offers the best lawn/landscaping business insurance overall?

Who has the cheapest business insurance for lawn/landscaping companies?

What business insurance is required for lawn/landscaping organizations?

How much does lawn/landscaping business insurance cost?

How We Chose the Best Lawn/Landscaping Business Insurance

We selected the best business insurer for lawn/landscaping companies based on the following criteria:

  • Affordability (50% of score): The lower a company's costs compared to the competition based on our base profile for four core coverage types, the better it performs.
  • Customer service (30% of score): We scored providers on overall customer satisfaction using industry studies, customer review forum ratings and public forum sentiment analysis from sites like Reddit.
  • Coverage (15% of score): We scored business insurance for this category based on the flexibility, payment and actual coverage options.
  • Financial stability (5% of score): Using financial stability industry ratings from companies like AM Best and Moody's, we created an overall rating to judge how likely a company is to pay out claims compared to the competition.

All pricing in this article is based on the following base profile to represent the vast majority of small businesses in all states:

  • Three-person business with two employees
  • Coverage: $1 million per occurrence and $2 million total per year for all but BOP, which includes the same coverage plus $5,000 of business property coverage
  • $150,000 in payroll
  • $300,000 annual revenue

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.

Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!

Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.


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