Lawn care business insurance, built for crews in the field.

Premium depends on crew size and payroll, gross receipts, services mix (mowing vs. hardscape vs. chemical application vs. snow removal), fleet and trailer count, equipment values, state, and loss history. A solo mowing route prices very differently than a multi-crew operation spraying and plowing. Final cost is subject to underwriting and policy terms.

Not under a standard GL form — the pollution exclusion will deny chemical drift, over-application, and misapplication claims. You need a pesticide/herbicide applicator endorsement or standalone coverage, and most states also require an applicator license with proof of insurance to keep it. Lawn-treatment claims (the neighbor's dead ornamentals, drift onto an adjacent property) are common in this class, so the coverage and the license need to line up. Requirements vary by state and carrier.

Equipment belongs on an inland marine form because it moves — commercial auto covers the truck and the trailer as vehicles, but generally not the mowers and gear riding on them. Theft from an open trailer at a job site is the most common equipment claim in this class, and terms differ on unattended-theft and securing requirements. We schedule equipment based on what is actually on the trailer each season and read the theft terms before bind.

Check before the season — many GL forms exclude snow and ice management operations entirely, because slip-and-fall claims from plowed lots are high-severity and can arrive months after the storm. If you plow, you need a form that affirmatively covers it or a separate seasonal placement, and commercial contracts often demand higher limits plus additional-insured wording for the property owner. Coverage availability varies by state and carrier.

A typical program includes General Liability, Commercial Auto for trucks and trailers, Inland Marine for equipment, Workers Compensation, pesticide/herbicide applicator coverage if you treat, snow removal liability if you plow, and an umbrella once contract requirements climb. Coverage is subject to underwriting.

Standard ACORD 25 certificates issue in seconds through the portal, ChatGPT, Claude, Slack, email, or phone. Custom holder language (additional insured, waiver of subrogation, primary and non-contributory) is typically produced within minutes after a licensed broker confirms the wording. There is no per-COI fee.

Routine work — intake, COIs, endorsements, policy Q&A, renewal triage — runs through Orin, our insurance-specialized language model. Licensed brokers focus on judgment work like carrier selection, complex coverage, and claim advocacy. Across the customer base we average a 60 percent reduction in broker commission cost versus a typical commercial brokerage. That is an average, not a guarantee.