How Much Does Lawn Care Insurance Cost? 2025 Rates

U.S. lawn care businesses can expect to pay between $480 and $840 annually for comprehensive business insurance, averaging $40 to $70 per month. The primary cost drivers are location, size of business, types of services offered, value of equipment & tools, coverage limits, and number of employees.

How Much Does Lawn Care Insurance Cost?

The average lawn care in the U.S. pays between $480 and $840 per year for a full business insurance package. That breaks down to roughly $40 to $70 per month. However, this is just a ballpark range and actual business insurance costs can vary widely depending on your specific situation.

Every lawn care business has its own unique risks and insurance needs, which is why there’s no one-size-fits-all price for insurance. A lawn care worker who only does mowing and trimming will pay much less than a large company that offers tree removal, landscaping, and has several employees.

The types of services you offer, the equipment you use, how many workers you have, and even where your business is located can affect your insurance cost. For example, a lawn care company in an area with high crime or more lawsuits may pay more for liability coverage. And if you use expensive equipment like riding mowers, your property insurance could cost more than someone using basic tools.

The more risk your business carries, like using chemicals or working near power lines, the higher your insurance premium is likely to be.

Understanding these variables can help you better estimate your insurance needs and prepare for the real costs of protecting your lawn care business.

Average Lawn Care Insurance Costs For Coverage Types

When it comes to protecting your lawn care business, different types of insurance cover different risks. Understanding the average cost, coverage details, and what influences pricing for each policy type can help you build a more effective insurance plan. Here’s a closer look at the major coverages most lawn care businesses need.

• General liability insurance: $40 per month
• Workers’ compensation insurance: $140 per month
• Commercial auto insurance: $185 per month
• Tools and equipment insurance: $42 per month

Commercial Auto Insurance

The average cost of commercial auto insurance for a lawn care company is about $185 per month.

This coverage protects business vehicles used for hauling equipment, traveling to customer properties, transporting trailers, or carrying riding mowers. If a work truck is involved in an accident on the way to a job, commercial auto can help pay for repairs and any damage or injury caused to others. Policies may also cover attached trailers and towed machinery.

Premiums depend on how many vehicles you operate, their value, employee driving records, mileage, and past claims activity.

Note: Estimates are approximate annual premiums for commercial auto coverage tailored to lawn care operations in each state; actual premiums will vary with fleet size, vehicle types, driving records, coverage limits, business revenue, and other underwriting factors.

General Liability Insurance

The average cost of general liability insurance for a lawn care service is about $40 per month.

General liability protects against accidental property damage, customer injuries, or claims related to your services. For example, if a mower throws a rock and cracks a window, or a client trips over equipment left on a walkway, this insurance can help cover repair costs, medical bills, and legal expenses.

Policies for lawn care businesses typically include $1 million per occurrence and $2 million aggregate limits.

Costs are influenced by business size, customer volume, claims history, and optional endorsements such as pesticide application coverage.

Note: Estimates are approximate annual premiums for general liability coverage tailored to lawn care operations in each state; actual premiums will vary with revenue, services offered, claims history, limits chosen, and other underwriting factors.

Tools & Equipment Insurance

The average cost of tools and equipment insurance for lawn care providers is around $42 per month.

This coverage helps protect portable items like trimmers, blowers, edgers, push mowers, and ride-on machines while being transported, stored, or used at customer properties. It offers financial protection if equipment is stolen from a trailer, damaged in transit, or vandalized on site.

Premiums depend on the total value of your gear and whether you use higher-cost machinery.

Note: Estimates are approximate annual premiums for tools and equipment coverage tailored to lawn care operations in each state; actual premiums will vary with total insured value, business size, storage/security practices, claims history, and other underwriting factors

Workers’ Compensation Insurance

The average cost of workers compensation insurance for a lawn care business is around $140 per month.

This coverage pays for medical costs, rehabilitation, and partial lost wages if an employee is hurt while working. Injuries in lawn care may include cuts from trimmers, slips on wet grass, or strains from lifting heavy equipment. Most states require this coverage if you have employees.

Premiums are influenced by payroll totals, job classifications, claims history, and safety program practices.

Note: Estimates are approximate annual premiums for workers’ compensation coverage tailored to lawn care operations in each state; actual premiums will vary with payroll, classification codes, claims history, safety programs, and other underwriting factors.

Lawn Care Business Insurance Costs By Provider

Lawn care business insurance costs will vary greatly depending on the insurance carrier. Use the table below to find average costs across different providers.

Note: Estimates are based on average annual premiums for lawn care businesses; actual premiums will vary by location, services, revenue, equipment, claims history, and coverage limits.

What Factors Impact Your Lawn Care Insurance Costs?

Lawn care insurance premiums are carefully calculated by underwriters based on your business’s risk profile. From your location and claims history to the number of employees, several factors influence what you’ll pay for coverage.

Number Of Employees

The more people you hire, the more you’ll pay for insurance. That’s because there’s a higher chance someone might get hurt on the job. If you’re a one-person business, only bringing in around $30,000 per year for weekend jobs, your insurance will likely cost less than a company with a full team working full time, bringing in over $300,000 in contracts. Each employee adds risk, especially when using equipment or working in busy areas.

Types Of Services You Offer

Basic lawn mowing usually costs less to insure than more dangerous work like tree trimming, hardscaping, or using chemicals. The more risky your services are, the more coverage you’ll need, which means higher insurance costs. Insurers look at what kind of work you do to decide how much to charge. So expect to pay more if you need extra protection for pesticides or retaining walls.

Value Of Tools And Equipment

If your business uses expensive machines like riding mowers, blowers, and trimmers, your insurance will cost more. That’s because it would be more expensive for the insurance company to replace them if they’re stolen or damaged. Cheaper tools usually mean lower premiums.

Location Of Your Business

Where your business is based also affects the price. If you’re in an area with high crime rates or more lawsuits, insurance will likely be more expensive. Costs also change by state due to local rules and average claim costs.

Past Claims for Your Lawn Care Business

If you’ve made insurance claims in the past, your premiums could go up. Things like claims of property damage resulting from a lawn mower accidentally sending rocks through a neighboring window can stay on your record for years. Insurance companies see you as a higher risk if you’ve had accidents, injuries, or property damage before. A clean history can help you get better rates.

Credit Score

Insurance underwriters will look to your credit score too, as a representation of your financial stability. If you have a high credit score, that can bring insurance costs down by a significant percentage compared to a company with a poor credit score.

Tip: Consider ways to increase your credit score before shopping for new coverage or renewing your lawn care insurance plan. 

Type & Amount Of Coverage

The more coverage you want, the more you’ll pay. Higher policy limits and lower deductibles mean more protection, but also higher premiums. If you add extra policies like commercial auto, inland marine, or business interruption, your total cost will go up.