Guide to Lawn Care Business Insurance

The Grand Canyon State may be best known for its beautiful desert landscapes, but that doesn't mean Arizona residents don't need lawn care. Your lawn care company may be responsible for maintaining green grass and hedges, but it’s up to you to take care of your business needs. You may be searching for ‘lawn care business insurance’, but in truth business insurance is what you may need. This type of coverage can be an essential step in preparing for the unexpected pitfalls of running your own lawn care company. From accidental property damage to on-the-job mowing injuries, insurance from a trusted provider like Access Insurance Agency of Arizona, LLC (Access) can help mitigate the financial liabilities associated with the potential risks of running your lawn care business.  

Do lawn care businesses need insurance? 

Are you wondering if your lawn care business needs insurance? No matter if your specialty is seeding or weeding, chances are your business could benefit from insurance. As any lawn care professional knows, keeping a property well-kept is no easy feat. Due to potentially dangerous tools such as mowers, electric trimmers, and shears, on-the-job accidents are all too common.  

Business insurance for your lawn care company can help you deal with the financial burden of an employee injury or client’s illness due to pesticide use. Without the proper coverage, you could be left to pay out of pocket for claims against your business. 

Types of lawn care businesses that should look into business insurance include but are not limited to: 

• Landscaping businesses 
• Aerating and seeding businesses 
• Commercial lawn care companies 
• Residential lawn care specialists 

What type of insurance do I need for a lawn care business? 

Every lawn care company is different and may require a specific insurance policy based on their unique needs. However, many lawn care specialists start by obtaining a business owner’s policy or BOP. This type of coverage combines general liability, commercial property, and business income insurance. 

Depending on the nature of your business you may opt to secure other coverages such as: 

• Workers’ compensation - under Arizona law, any business with employees needs to acquire workers' compensation coverage. This type of insurance can provide coverage for expenses such as medical care, rehabilitation costs, and even lost wages for employees who are injured or become ill because of their jobs. 
• Commercial auto insurance - whether you use a company van or a personal vehicle for work purposes, you will need to secure commercial auto insurance in Arizona. Lawn care companies often rely on multiple vehicles to haul equipment and drive to and from job sites. This type of coverage can help cover legal fees, damages, or repairs needed after an accident or incident of vehicle theft or vandalism. 
• Equipment insurance - tools like mowers and leaf blowers are the backbone of any lawn care business. Equipment insurance can provide coverage for the cost of repairs and/or replacement if your tools are stolen, damaged, or lost.  
• Professional liability insurance - also known as errors and omissions or E&O insurance, is a type of coverage that can potentially cover legal fees or settlements if a client is unhappy with the results of your lawn care or landscaping work.  

How much does insurance for a lawn care business cost in Arizona?  

Lawn care business insurance costs can vary greatly depending on your company's size, location, and services offered. The average costs of general liability insurance for landscapers in Arizona can range anywhere from $1,100 - $2,300 annually. Generally, smaller businesses with fewer workers will pay less for coverage than larger companies with dozens of employees. In addition, your insurance rate could be affected by the type of services you offer such as mowing vs pesticide application, annual business revenue, and the equipment you operate. Overall, the more coverage you plan on obtaining, the higher your policy cost will be.  

Why is insurance so important for lawn care businesses? 

Business is hard work. From handling woodchippers to dealing with hazardous pesticides, there are inherent risks associated with landscaping and lawn care. The right insurance is essential in providing coverage for your business, employees, and equipment. Don’t leave your business vulnerable to financial or legal liability by not insuring a company vehicle or forgoing worker’s compensation. Finally, obtaining the proper coverage shows your clients and community you are a responsible and professional service provider.  

Why do lawn care professionals in Arizona choose Access Insurance Agency of Arizona? 

As Arizona residents, we are specially equipped to deal with the blessings and challenges of conducting business everywhere from Glendale to Mesa. Our highly trained team of Spanish bilingual agents will work with you to create a customized policy and explore flexible payment options and all available discounts. 

Ready to discover lawn care coverage options with Access? Reach out to an Access representative today at 888-449-0171 or visit us at one of our local Arizona locations!