Best Lawn Care Business Insurance

Nationwide earned our top spot for the best small business insurer for lawn care 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.

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

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

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

For lawn care 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.

The Hartford offers the most affordable professional liability insurance options for lawn care 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.

Thimble provides the most affordable BOP coverage for lawn care companies. It offers an average yearly cost of $912 for bundled general liability and property protection.

Most companies with employees are legally required to carry workers' comp insurance. 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.

We've organized a list of lawn care services by their risk exposure and insurance needs.

Tree removal companies have bigger risks than mowing services. Control your liability exposure with safety practices that match your specific work:

Nationwide is the best insurer for lawn care 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.

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

We evaluated providers based on what matters most when a client's sprinkler system gets damaged or an employee gets hurt on the job: Affordability (50%) because lawn care operates on tight profit margins where a $200 monthly premium difference equals $2,400 annually, funds better spent on equipment upgrades or crew wages. We compared costs across four core coverage types (general liability, workers' compensation, commercial auto, and business owner's policy) to identify which insurers consistently price competitively rather than just advertising low introductory rates.

Customer Service (30%) reflects how quickly insurers process claims after equipment theft, communicate policy changes during renewal, and handle worker injury claims that are common in this physically demanding industry. Coverage Options (15%) evaluates policy flexibility for lawn care-specific risks like pesticide application liability, equipment breakdown during peak season, and trailer coverage for hauling mowers and tools between job sites. Financial Strength (5%) uses AM Best and Moody's ratings to ensure recommended carriers can pay claims when your equipment gets stolen or an employee suffers a serious injury.

Why these weights matter for lawn care: Seasonal revenue fluctuations make controlling fixed costs like insurance premiums critical for survival during slower winter months. Customer service quality determines whether equipment theft claims get processed quickly enough to keep crews working or if delays force you to rent replacements at your own expense. Coverage flexibility matters because lawn care businesses evolve rapidly, adding landscaping services, expanding into snow removal, or hiring additional crews that change your risk profile and insurance needs throughout the year.

This methodology prioritizes real-world value for lawn care operators who need affordable premiums from financially stable companies that understand the industry's specific risks and handle claims efficiently during peak season when every day of downtime costs you money.