Built for U.S. small businesses
Business insurance options for lawn care crews.
Compare coverage for your lawn care work, crew, vehicles, and equipment.
Find coverage in about 2 minutes
Prefer to talk?
Access to 50+ insurance companies, with help comparing the options that fit your business.
What you’ll get
Coverage picked for your business
Options from available carriers
Agent follow-up within 2 minutes
Typical monthly costs
How much does lawn care insurance cost?
General liability
$45–$55/mo
Workers compensation
$140–$170/mo
Tools and equipment
$35–$45/mo
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.
Real-world risks
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.
Common starting points
Coverage that may fit lawn care and landscaping businesses
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?
Start with your ZIP · response within 2 minutes
How it works
- 01
Enter your ZIP
We use it to check state rules and carrier availability.
- 02
Hear from Kinro
A licensed agent texts or emails you within 2 minutes.
- 03
Review your options
Compare relevant coverage, carrier options, and price.
No obligation. Final coverage and pricing depend on underwriting.
Lawn care insurance FAQ
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.
Ready to see your options?
Start with your ZIP · response within 2 minutes
Why our insurance agency is built different.
We make shopping for insurance simple, fast and transparent.
- Answers in minutes, not days of phone tag, before and after you buy.
- We dig into your real risks so you're never over- or under-insured.
- Independent advice: we compare our carriers to find the right coverage at the best price.
- Before every renewal, we shop the market again to find our clients the best available price.