Lawn Care Insurance Cost and Coverage

General liability lawn care insurance cost for our customers is generally between $350-$450 annually, or $29-$37.50 per month.

The cost of general liability insurance for lawn care providers will vary, based on your specific work and which policy you choose. Even so, it’s worth thinking of insurance policy as an investment, because it can save you from any number of costs that could be very expensive.

These expenses could include everything from third-party injuries on your worksite, to property damage at a customer’s home, and even accusations of slander. In addition to covering replacement costs for something like a broken window, your lawn care liability insurance policy could also pay for legal expenses in case you’re sued, medical fees for an injured party, and more. In other words, the cost of lawn care general liability insurance is very reasonable when compared to the potential savings it offers, and the ability it gives you to focus on your business.

Professional liability insurance, which you may have heard referred to as “errors and omissions” insurance, is an additional layer of coverage for your business.

Essentially, lawn care professional liability insurance protects you in the case of covered claims that are specific to your profession, and the work you’ve done. For example, as a lawn care professional, it could be that you cut down a customer’s beloved oak tree, when they had intended to cut down a pine. Perhaps your mower died halfway through a job, leaving the customer with a half-cut lawn for a big event.

Most of the time, professional liability claims are smaller than general liability claims, as they mainly cover redoing something that you didn’t do properly, and avoid potentially expensive issues such as bodily injuries to people around you.

It’s a bit tricky differentiating your professional liability policy from your general liability insurance policy, as there is, in fact, some overlap sometimes. To help simplify, we include professional liability insurance as part of your package when you purchase either a Next Insurance Pro or Pro Plus plan. There’s no extra lawn care insurance cost for this coverage. That way, if you have to make a claim, you don’t need to worry about whether it’s general or professional liability; you just know that you have solid lawn care insurance coverage behind you.