Lawn care professionals face risks tied to outdoor work, heavy equipment, and client property. The most common coverages include:
- General Liability – Protects against property damage or injury claims, such as breaking a window with a mower or a client tripping on equipment.
- Workers’ Compensation – Required in most states if you employ staff; covers injuries from heat stress, cuts, or lifting accidents.
- Commercial Auto Insurance – Essential if you use trucks or trailers to move crews and mowers between job sites.
- Equipment Coverage – Protects valuable tools like mowers, trimmers, and blowers against theft or damage.
- Business Owner’s Policy (BOP) – Combines liability and property insurance, often including income protection if operations are interrupted.
