How Much Does Lawn Care Insurance Cost? 2025 Rates

In 2025, 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 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.

Here are some of the biggest cost drivers:

• Number of employees (affects workers’ comp and liability)
• Property size and value (affects commercial property coverage)
• Equipment value and tools (affects commercial property or equipment coverage)
• Past claims history (insurers charge more if you’ve filed claims)
• Business interruption coverage and other add-ons

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

General Liability Insurance

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

General liability covers third-party bodily injury, property damage, and advertising injuries. For example, if you accidentally damage a customer’s sprinkler system while mowing their lawn, this policy can help pay for the repairs. Or if a client trips over your equipment left on the driveway and gets hurt, general liability can cover their medical bills and any legal fees if they sue you.

Typical policy limits are $1 million per occurrence and $2 million aggregate.

Factors that influence the cost include the business size, customer traffic volume, previous claims history, and any extra coverage options you choose to add to your policy.

Workers’ Compensation Insurance

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

Workers’ comp covers medical bills, rehabilitation, and lost wages for employees injured on the job. For example, if an employee cuts their hand while using a hedge trimmer or injures their back lifting heavy equipment, workers’ comp would help pay for their doctor visits, treatment, and a portion of their pay while they’re unable to work.

Policy limits are regulated by each state, but typically include medical costs and a percentage of lost wages without a set cap.

Premiums are influenced by the size of your payroll, the type of work employees perform, your claims history, and any implemented safety programs.

Commercial Auto Insurance

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

Commercial auto insurance covers vehicles owned or used by the business for accidents, theft, vandalism, or damage. For example, if you’re driving your work truck to a client’s property and get into an accident, this insurance can help pay for repairs to your vehicle and cover any damage or injuries caused to others. It also protects trailers and other equipment you haul with your vehicle.

The price of commercial auto insurance is based on a few things, like how much coverage you want, your past claims, how many vehicles you have, how much they’re worth, and the driving history of your employees. Insurance companies look at all of this to figure out how much your policy will cost.

Tools & Equipment Insurance

The average cost of tools & equipment insurance for a lawn care business is around $42 per month.

This type of inland marine insurance protects your lawn care equipment when it’s being transported, used at a client’s property, or stored somewhere other than your main business location.

For example, if your lawnmower or leaf blower is stolen from a trailer while parked at a jobsite, this policy can help cover the loss. It’s useful for lawn care businesses that move tools and machines from place to place.

The cost of tool and equipment insurance depends on how much your gear is worth and the kind of lawn care work you do. If you use expensive machines or do higher-risk jobs, your coverage will likely cost more.

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, your insurance will likely cost less than a company with a full team. 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.

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 History

If you’ve made insurance claims in the past, your premiums could go up. 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.

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.

How To Lower Your Lawn Care Insurance Costs

Running a lawn care business comes with its share of costs, but your insurance premiums don’t have to be one of the biggest burdens. While insurance is essential to protect your equipment, employees, and operations, there are smart ways to reduce those costs without compromising on coverage.

Here are some practical tips to help lower your lawn care business insurance expenses:

1. Bundle Your Policies

One of the easiest ways to save is by bundling multiple policies. Most insurers offer a Business Owner’s Policy (BOP) that combines general liability and property insurance at a lower rate than if you bought them separately. If you also need workers’ compensation, bundling both through the same provider can lead to additional discounts. Not only does this simplify your paperwork, but it also makes your coverage more cost-efficient.

2. Ask About Discounts

Insurance companies often reward lawn care businesses that commit to a policy long-term. Ask your provider if they offer multi-year discounts for signing a two- or three-year agreement instead of renewing annually. You might also qualify for lower rates if you pay your premium in full instead of in monthly installments.

3. Implement Safety Measures

Accidents can be costly, for both your lawn care business and your insurance provider. By actively working to reduce the risk of injuries to customers, or employees, you can improve safety and potentially lower your insurance premiums over time. For example, ensuring equipment is regularly maintained, training employees on proper machinery use, clearly marking work areas, wearing high-visibility safety gear, and keeping tools and debris off walkways can significantly reduce your general liability risk.

4. Create A Safe Working Environment

A strong safety program is key to lowering your workers’ compensation costs. This includes training your crew on the safe operation of lawn equipment, proper lifting techniques to avoid injury, safe handling of chemicals and fuel, and having clear protocols for heat safety and emergency response. When your team knows how to work safely, accidents are less likely to happen, leading to fewer claims and lower premiums over time.

5. Adjust Your Deductible

Your deductible is the amount you pay out of pocket before insurance coverage kicks in. Choosing a higher deductible can significantly reduce your monthly premiums. Just make sure you can comfortably cover that amount if a claim arises.

By taking these steps, you not only save money but also make your lawn care business a safer, more resilient business.