Lawn Care Business Insurance Cost
Pick a coverage to see the published figure, type a quote to compare, and tick coverages to add up a yearly budget.
How to use the lawn care business insurance cost tool
- Under “Coverage”, pick the row of the published table that matches what you want to check: general liability, workers’ compensation, business owner’s policy (BOP), tools and equipment, commercial auto, or license and permit bonds (landscaping).
- Read the published figure for that row, shown per month and per year. Where the source states limits, they appear next to the figure, such as $1M per occurrence / $2M aggregate for general liability.
- Type your quote into “Your quote (optional)”. Set “Quote is per” to month or year so it matches the way your quote is written.
- Read “Your quote against it”, which shows how far your quote is above or below the published figure for that row.
- Open “More options” if you want to add annual revenue, employees, or which coverages to add to the budget. Once these are typed, the tool shows “Share of revenue” and “Per employee” for the ticked budget total.
- Repeat steps 1 to 4 for another row if you want to check a different coverage.
Each row is checked on its own. Do not add the rows together to get a bundle price, because a sum of separate medians is not the price of a bundle. The result is an estimate only, and nothing you type is uploaded.
What does the published lawn care business insurance cost figure show?
Each figure is a published median from Insureon for lawn care businesses that bought policies through Insureon; the source also calls its figures averages. It is not a price the tool sets, and the page adds no estimate of its own. Most of those businesses have fewer than five employees, annual revenue of about $50,000 to over $200,000, and five years or less in business. Each figure appears per month and per year, and the limits are shown where the source states them.
The lawn care figures come from the lawn care page opened on 15 October 2026. Search-result text for earlier versions of Insureon’s lawn care and landscaping pages gave general liability as $46 a month ($550 a year) for lawn care and $51 a month ($610 a year) for landscaping, so sources differ by date; check the date and figure you are reading against the table on this page.
What makes the lawn care business insurance cost change?
Insureon lists the factors it uses to price lawn care business coverage. These are services offered, vehicle and equipment value and use, location, employees, size and revenue, limits and deductibles, client type, required bonds, claims history, and risk-management practices. The source notes that chemical and pesticide work costs more than mowing alone. Client type also matters, because residential clients differ from large commercial ones.
These factors explain why one business’s quote can sit above or below a published median. The tool does not score these factors for you, so the comparison is only arithmetic on the numbers you enter.
Why is a sum of separate figures not a bundle price?
Adding the general liability, workers’ compensation, tools and equipment, and commercial auto figures gives a total of separate medians. That total is not the price of a bundle. The tool shows a note saying one insurer pricing a bundle can differ from the sum, and that your own quotes decide.
How is a quote compared with the published figure?
When you type a quote, the tool shows how far it is above or below the published figure for the row you chose, as a percentage of the yearly figure. If you entered annual revenue or employees under “More options”, it also shows the ticked budget total as a share of revenue and as an amount per employee. These results are an estimate only.
The gap between your quote and the median depends on the factors listed above. Quotes come from a licensed insurer or agent, so use your quote paperwork to confirm the limits, deductibles, and conditions that apply to you.
Sources (checked 15 October 2026): insureon.com
Worked examples
| Input | Result |
|---|---|
| General liability | 2 coverage(s) added up from the published medians: $180 a month, $2,161 a year |
| General liability, quote $75 per month | Your quote of $75 a month ($900 a year) is 31.4% above the published median of $57 a month. |
| Workers' compensation, revenue $120,000 | 2 coverage(s) added up from the published medians: $180 a month, $2,161 a year |
| General liability, revenue $150,000 | 2 coverage(s) added up from the published medians: $180 a month, $2,161 a year |
Calculated by the tool above; open it with the same values to see each step.
How this tool works and where the numbers come from
The page shows published medians from one source, Insureon’s lawn care cost page, and adds no estimate of its own. Your quote is converted to a yearly amount (monthly x 12) and compared with the published yearly figure as a percentage above or below; the optional budget adds the published medians of the coverages you tick, and share of revenue and amount per employee are that yearly total divided by the revenue or headcount you type.
Sources
Frequently asked questions
What does lawn care business insurance cost per month?
The published median for general liability is $57 per month, or $685 per year, with limits of $1M per occurrence and $2M aggregate. Other rows on the table show their own published figures for workers’ compensation, business owner’s policy, tools and equipment, commercial auto, and license and permit bonds.
Is the landscaping business insurance cost on this page different?
The page’s only landscaping figure is for license and permit bonds, at $9 per month or $112 per year. The other figures on the table are published for lawn care businesses, and no separate landscaping general liability figure is shown.
Does this tool give me a quote?
No. The tool compares a quote you type in with a published median, and the result is an estimate only. Quotes come from a licensed insurer or agent.
Does the tool store my numbers or ask for contact details?
Everything is calculated in your browser, and nothing is uploaded. The tool does not ask for contact details, sell leads, or refer you to insurers, and it needs no sign-up.
Why might my quote be higher or lower than the published figure?
Insureon lists services offered, vehicle and equipment value and use, location, employees, size and revenue, limits and deductibles, client type, required bonds, claims history, and risk-management practices as factors. The source notes that chemical and pesticide work costs more than mowing alone.
Which coverages are on the table?
The table lists general liability, workers’ compensation, business owner’s policy (BOP), tools and equipment, commercial auto, and license and permit bonds (landscaping). For tools and equipment, items over $2,500 may need separate scheduling.
Is landscaping insurance cost different from the lawn care figures?
The page’s only landscaping figure is license and permit bonds. The other published figures are for lawn care businesses, and no separate landscaping general liability figure is shown, so use the lawn care rows as a starting point and ask an insurer about any extra landscaping work you do, such as chemical or pesticide work.
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