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Insurance Tips for Lawn Care Operators

October 3, 2025 · Landscaping, · Commercial Lines

Blog Insurance Tips for Lawn Care Operators

Running a lawn care business is rewarding—you set your schedule, build client relationships, and see the results of your hard work every day. But being your own boss also means you carry all the responsibility when something goes wrong.

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That’s where insurance comes in. Even if you’re a one-person operation, the right coverage can protect your business (and your livelihood) from risks you might not have considered. Here are a few key insurance tips every lawn care operator should know.

1. Protect Against Property Damage

It only takes one rock kicked up by a mower to crack a window or dent a client’s car. Accidental damage is one of the most common risks in lawn care.

Tip: Carry general liability insurance to cover accidental property damage caused while working.

2. Plan for Accidents and Injuries

Even solo operators can be held responsible if someone trips over your equipment or gets hurt near your worksite. And don’t forget about your own risks—lawn care involves sharp blades, heavy equipment, and plenty of physical strain.

Tip: Liability coverage protects you if a client or third party is injured. Consider occupational accident insurance or health coverage to help with your own medical needs if you’re hurt on the job.

3. Don’t Forget Your Equipment

Your mower, trimmer, blower, and tools are the backbone of your business. If they’re stolen, damaged, or destroyed, you could lose days—or weeks—of income.

Tip: Inland marine (contractors equipment insurance) can cover your gear whether it’s on a job site, in your trailer, or in storage.

4. Cover Your Ride

Most lawn care operators use a truck or trailer to haul equipment. Personal auto insurance usually won’t cover accidents if the vehicle is used for business.

Tip: Make sure you have commercial auto insurance for your work vehicle. This covers accidents, liability, and sometimes equipment inside the vehicle.

5. Think Beyond the Basics

As your business grows, your risks grow too. You may add seasonal help, expand to landscaping, or take on commercial contracts that require proof of specific coverage.

Tip: Even if you’re solo now, it’s smart to review your coverage each year and adjust as your business evolves.

Final Thoughts

Insurance might not be the first thing you think about when running a lawn care business—but one unexpected accident can quickly undo years of hard work. The right coverage helps you focus on mowing, trimming, and building your reputation without worrying about “what ifs.”

At Leavitt Select Insurance, we understand the risks lawn care operators face. From liability to equipment to vehicle coverage, we’ll help you find insurance that fits your business and your budget.

Ready to protect your lawn care business? Contact us today to connect with one of our local advisors.