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Affordable Insurance for Small Lawn Care Businesses

While dealing with insurance can be a hassle, it is necessary for any small mowing or landscaping business. Accidents and losses happen – even to the most experienced, diligent businesses – so it is important to find solid insurance coverage to protect yourself financially. Protecting your business and its employees is an essential priority, and luckily there are several insurance options to choose from when you’re on the hunt for a new policy. Below are four excellent companies that offer affordable insurance for your small lawn care business. 

Huckleberry Insurance

Huckleberry Insurance’s executive team was tired of the lengthy, boring process that businesses typically need to go through to get insured, so the company promises their products are “simple, fast, and 100% online.” Huckleberry offers insurance for various business sectors, including landscaping, which covers injury, accidents, and damages. Insurances offered through Huckleberry include worker’s compensation insurance, business owner policies, general liability insurance, property insurance, and commercial auto insurance. 

Huckleberry partners with Markel Insurance and has them act as the underwriters for their policies. Merkel has an “A” rating, meaning Huckleberry is known to be a trusted firm. Signing up is streamlined to make it as easy as possible, so many users are able to have an active policy through Huckleberry the same day they register. 

Of course, it is hard to give a price estimate without knowing exactly what coverage you’ll need, but Huckleberry’s website states that “businesses have paid as low as $31 per month for workers’ compensation, $54 per month for general liability insurance, and $42 per month for a Business Owner’s Policy.” You can get a quote for free on the website. Huckleberry accepts payment via credit card or a bank account. 

As Huckleberry is one of the newer insurance companies on the scene, their customer service doesn’t seem to be fully built out, so existing clients note they need to have patience with them. Aside from not being available in all states, there aren’t any real cons to note, so it’s worth looking into Huckleberry Insurance for your small lawn care business’s needs. 

  • Cost: from $31 per month
  • Trustpilot rating: 4.6

Thimble Insurance

Thimble Insurance is another firm that offers a lot of options for insurance that might be best for your lawn care business. The company’s website indicates signing up is fast and easy, as it can even be done over the phone in minutes. Coverage is flexible, as you can opt for insurance on just a single job or project as well as weekly, monthly, or annual coverage. Thimble Insurance’s landscaping insurance covers lawn care/maintenance, pesticide applicators, most sprinkler system installations, ground-level tree care (note this does not include removals, and snow removal/plowing. Coverage options include general liability insurance, insurance for your equipment, and commercial property insurance. 

Of course, prices vary depending on the options you choose, but the website states “landscaping insurance costs range between $8 per hour and $43 per month.” Many policies have no deductible so in the long run, this is not too steep of a price and might be worth it for the protection you get. 

Thimble has a great reputation, as it is accredited with the Better Business Bureau and has an A+ rating. Like Huckleberry, they utilize Markel for the underwriting process. If you’re unsatisfied with Thimble Insurance for any reason, the company allows you to change your policy or even cancel it for free. You can also pause your insurance coverage for 30 days to accommodate times when you and your crew are not working. As always, you’ll need to make sure Thimble is available in your state before signing up and paying for a policy. 

  • Cost: Starting at $17 per month
  • Trustpilot rating: 4.6

InsuranceBee

Another trusted and affordable insurance for small landscaping businesses is InsuranceBee. The company was started with the goal of offering no-nonsense insurance solutions to small businesses and independent contractors. Insurance for small lawn care businesses starts at $42/month and offers coverage for bodily injury, property damage, and personal injury. Note that InsuranceBee’s insurance does not cover any damage or injury due to the use of “any auto or self-propelled motor equipment.”

InsuranceBee users rave about its customer service, stating that the agents are responsive, knowledgeable, and quick at getting policies set up or changed. InsuranceBee will help you customize your insurance plan to meet your needs, too, because depending on your situation, your small business may also need business personal property (BPP) coverage, employment liability coverage, and workers’ compensation coverage. 

You can get a quote online, or you can call 978-344-4225 and speak to an agent who can explain more regarding what is available to you and what you may need. The low overall cost, simple registration, and comprehensive coverage of InsuranceBee’s policies make it one of the best insurance options for small businesses in general. 

  • Cost: Starting at $42 per month
  • Trustpilot rating: N/A

NEXT Insurance

NEXT Insurance offers insurance policies for a vast range of businesses, including contractors’ insurance which includes coverage for mowing businesses. The company was founded in 2015 and is still relatively small, meaning you’ll want to check if it’s available in your area first. 

NEXT Insurance offers insurances including general liability, contractors’ errors & omissions, commercial auto, tools and equipment, workers’ compensation, and commercial property. NEXT Insurance lets you bundle insurance policies at a discount, meaning you can have comprehensive coverage at a lower price point. All of the agents at NEXT Insurance are licensed insurance agents, so they are knowledgeable in what policies and coverage you may need. Claims can be submitted online, and each will either be dealt with in-house or through a third-party adjudicator. 

NEXT Insurance is great for small businesses whose owners want tech-savvy insurance solutions instead of the traditional tons of paperwork that comes with insuring their companies. Customer service is available via phone, but most small businesses can sign up through the website without needing to call. Payments can be made monthly or annually, and canceling is easy and quick should you need to.

  • Cost: From $37 per month
  • Trustpilot rating: N/A

Liability and Comprehensive Insurance for Your Small Lawn Care Business

These companies may not be best for large, well established lawn care businesses. But for a small or startup business that’s just a few (or one) employees, they are a great fit. Insurance is one of those things that nobody wants to pay for, but for a landscaping business that’s operating on people’s lawns and around people’s belongings, it’s just too risky not to have. And the good news is that liability insurance for a lawn care business is not expensive at all. We’ve already done the research and priced the service. Now just contact one of the companies listed above and relax knowing that you’re protected.

Tip: Contact Coverwallet and give them the details of your business. Then they’ll find the best rate for you at no charge.

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