At a customer’s property
Flying debris, irrigation damage, and customer injuries raise different questions. Give us a clear account of your tasks and equipment.
BUSINESS INSURANCE / LANDSCAPERS & LAWN CARE
Keep growing the business you’ve built outdoors.
From weekly lawn care to larger landscape projects, your equipment and crew are rarely in one place for long. Let’s look at coverage around the services you provide and the places you work.
THE WORK BEHIND THE BUSINESS
Insurance for landscapers & lawn care.
Grounded in your day to day.
Mowing and maintenance differ from tree removal, excavation, irrigation, pesticide application, or snow removal. Walk us through the full year of work, not just the service that brings in the most calls.
Between jobs
Trailers, mowers, and tools may need a different insurance approach from the truck that carries them.
When the season changes
Adding snow removal or chemical applications can change eligibility and coverage needs. Review those services before the first job.
A PLAN WITH THE RIGHT PIECES
Coverage that deserves a closer look.
Start with the risks behind your work. We’ll help you explore available options, understand the differences in terms and choose the pieces that make sense for your business.
General Liability Insurance
Review third-party injury, property damage, and the activities described in your policy.
Explore this coverageCommercial Auto Insurance
Look at vehicles, drivers, and business use, including hired and non-owned auto questions.
Explore this coverageWorkers’ Compensation Insurance
Review the work your team performs, payroll, and the locations where they work.
Explore this coverageCommercial Property Insurance
Look at buildings, equipment, stock, valuation, and covered interruption needs.
Explore this coverageThese are starting points for a review, not a complete list or a promise of coverage. Policy terms, exclusions and insurer eligibility apply.
AS YOUR BUSINESS CHANGES
Plan for more than the mowing season
Tree work, snow removal, irrigation and chemical applications can change a landscaping business through the year. A policy review should reflect the full calendar of services.
Bring your seasonal contracts and equipment list. We’ll help you examine work away from your yard, trailers and rented machinery, alongside the responsibilities you accept at each property.
Talk through your next stepA QUOTE THAT STARTS WITH YOU
What goes into your insurance quote?
Two businesses in the same industry can need very different plans. Alongside your location, claims history, limits and deductibles, these details help shape the conversation.
- Seasonal service mix and tree work
- Equipment, trailers and storage arrangements
- Chemical applications and subcontractor use
A LITTLE MORE CLARITY
Your questions.
A useful starting point.
Need to talk through something specific?
Ask Ironhill ↗Does lawn care insurance automatically include tree removal?
No. Height, equipment, and the exact nature of tree work can matter to insurers. Make the service explicit when requesting a quote.
What should I tell you about seasonal employees?
Share job duties, estimated payroll, and the months people work. Update the information when your staffing or services change.
What affects the cost of insurance for landscapers & lawn care?
Pricing depends on the work you do, where you operate, your claims history and the coverage you select. Details such as seasonal service mix and tree work, equipment, trailers and storage arrangements, chemical applications and subcontractor use help an insurer assess your business. We’ll help you compare the available terms as well as the premium.
Can I request a quote before I have every document?
Yes. Start with your business activities and the information you have. We can help identify what else is needed to explore options. Submitting a request does not put insurance in force.
A CLEAR NEXT STEP
Start with a conversation.
Leave with a clearer picture.
- 01
Tell us about the business.
Share what you do, where you work, and what prompted you to look at insurance.
- 02
Work through the details.
We’ll help identify coverage questions, documents to gather, and options to explore.
- 03
Decide with the details in view.
Review the available terms, limits, and costs before choosing your next step.
YOUR NEXT STEP
Let’s put your business in the picture.
Starting out, approaching renewal, or taking on something new? Tell us where you are. We’ll help you work through what comes next.
Coverage options depend on your operations, location, and insurer eligibility. A request does not bind coverage.