Built for U.S. small businesses
Business insurance for lawn care crews.
Tell Kinro what work you do, from mowing to landscaping, and we can help you understand coverage and compare options fast.
Built around real lawn care work.
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We work with 50+ companies to find the best match for you!
Simple coverage help for lawn care.
Start with the practical risks: services, locations, employees, property, vehicles, and any certificate needs.
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.
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Your answers stay focused on the coverage your business needs.
Coverage that usually comes up
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 compare your insurance options?
Your answers stay focused on the coverage your business needs.
lawn care insurance pricing
How much does lawn care insurance cost?
Typical published market benchmarks provide a useful starting point before a carrier reviews your business.
- 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
General liability
$45–$55/mo
Common range for small lawn and landscaping businesses.
Workers compensation
$140–$170/mo
Payroll, crew size, and services can move this quickly.
Tools and equipment
$35–$45/mo
For mowers, trimmers, blowers, and mobile equipment.
Typical market benchmarks, not quotes or guaranteed prices. Your actual premium can be lower or higher after 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 compare your insurance options?
Your answers stay focused on the coverage your business needs.
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.