Kinro

Built for U.S. small businesses

Business insurance options for lawn care crews.

Find my coverage now

Takes about 2 minutes · No commitment required

Support from licensed agents No obligation to buy
Lawn care crew member trimming trees with a pole hedge trimmer

We work with 50+ companies to find the best match for you!

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What you’ll get

  • 1

    Coverage guidance

    We identify the coverage that commonly fits your work and state.

  • 2

    Available carrier options

    Compare price, limits, exclusions, and carrier fit with an independent agency.

  • 3

    An agent replies in ~2 min

    A licensed Kinro agent texts or emails to help with next steps.

How much does lawn care insurance cost?

Tell us what your business does and get personalized information, including published monthly insurance benchmarks that vary by business, location, payroll, and coverage.

Riding mower on a freshly cut lawn

$45–$55/mo

General liability

Landscaper pruning a shrub by hand

$140–$170/mo

Workers compensation

Push mower on a lawn

$35–$45/mo

Tools and equipment

What insurance can help protect

Client property damage

A mower throws a rock, a sprinkler line gets damaged, or a crew member breaks something at a job site.

Employees and seasonal crews

You hire W2 employees or seasonal workers and need to understand workers comp requirements.

Tools and equipment

Mowers, trailers, trimmers, and other equipment need protection while stored or moving between jobs.

Coverage to consider

General Liability

Helps with third-party injury or property damage claims from your lawn care work.

Workers Compensation

Usually important when you have employees or crews working in the field.

Tools and Equipment

Can help protect mowers, trailers, and hand tools used on job sites.

Commercial Auto

Useful when trucks, vans, or trailers are part of daily operations.

Ready to see your options?It’s almost too easy.

Answers in minutes, not days of phone tag — before and after you buy. Independent support from Kinro & our licensed agents who shop the market for you, every renewal.

  • 1

    Enter your ZIP

    We use it to check state rules and carrier availability.

  • 2

    Hear from Kinro

    A licensed agent texts or emails you within 2 minutes.

  • 3

    Review your options

    Compare relevant coverage, carrier options, and price.

lawn care questions?We have answers.

Do lawn care businesses need general liability?
Many clients and commercial contracts ask for general liability because lawn care work can create property damage or injury claims.
When does workers comp matter?
Workers comp usually matters when you have employees. Rules vary by state, so Kinro will ask where your business operates.
Can Kinro review my existing policy?
Yes. You can upload your current policy and Kinro can help spot gaps, limits, and follow-up questions.
Is there any obligation to buy?
No. Starting a request does not require you to purchase a policy.
What can change the price?
  • Mowing-only work versus landscaping, tree work, or pesticide use
  • Payroll, subcontractors, equipment values, and annual revenue
  • Driving history, service radius, claims, limits, and location

Typical market benchmarks, not quotes or guaranteed prices. Your actual premium can be lower or higher after underwriting.