01
Mowing & maintenance
Coverage shaped around recurring routes, crews, customer property, and the COIs your commercial accounts demand.
- Route and job-site liability
- Property manager COIs
- Seasonal crew coverage
Insurance for the green industry
Insurance built for the way you work.
Mowing routes, chemical applications, hardscape builds, or winter plow contracts—we help you check that the policy matches what your business actually does.
Chemical and drift coverage review Trucks, trailers, and equipment Fast COIs for contracts
Built aroundreal operations
The policy details that matter here
ChemicalsTrucks & trailersSnow & tree workContract COIs
Your service mix comes first
One trade. Four very different insurance conversations.
We start with what you actually mow, spray, build, plow, and haul—not a generic business category with your industry name inserted.
02
Fertilizer & chemicals
Spray work collides with the pollution exclusion. The policy should say—in writing—how your applications are treated.
- Pollution exclusion review
- Applicator licensing
- Drift and overspray
03
Design, build & hardscape
Installs raise the stakes: buried utilities, irrigation lines, subcontractors, and equipment moving job to job.
- Installation exposures
- Subcontractor COIs
- Equipment floater
04
Snow & ice removal
Winter work flips the risk: slip-and-fall claims arrive after the truck leaves, and contracts shift liability onto you.
- Completed operations
- Contract hold-harmless
- Higher required limits
Read beyond the declarations
The expensive surprise is often hiding in the fine print.
A certificate can prove that a policy exists. It cannot tell you whether the chemicals you spray, the trailer you tow, or the snow you plow are restricted or excluded.
Start my policy checkThe chemical check
Is your spray work actually covered?
Standard general liability carries a pollution exclusion, and common lawn-care buybacks are narrow. One-off applications and drift claims can sit outside the coverage you think you bought.
The vehicle check
Is every truck and trailer scheduled?
Personal auto policies routinely deny business-use claims, and an unscheduled trailer can mean nothing is paid for the trailer or the equipment on it.
The contract check
Will the COI satisfy the property manager?
Commercial accounts and HOAs commonly require specific limits, additional insured wording, and proof of workers comp—and they monitor expiration dates.
The season check
Does coverage follow you into winter?
A landscaping policy may not contemplate snow and ice work. Tell your carrier before the first storm, not after the first claim.
Build the coverage stack
Protect the people, the machines, and the ground you work.
Your final program depends on underwriting, state rules, contracts, and policy terms. These are the areas most operations should review together.
People
Claims involving your crew, your customers, and the public.
- General liability for routes and job sites
- Workers comp with correct class codes
- Seasonal and part-time crew coverage
- Umbrella or excess liability
- Contract and COI support
Machines
The trucks, trailers, mowers, and gear the business runs on.
- Commercial auto for work trucks
- Trailer physical damage
- Inland marine equipment floater
- Theft coverage and serial schedules
- Hired and non-owned auto
Groundwork
The work itself—chemicals, snow, trees, and the ground you change.
- Pesticide and herbicide liability review
- Contractors pollution liability
- Snow removal and completed operations
- Tree work eligibility review
- Shop, yard, and property coverage
Where claims can begin
It only takes one rock—or one unscheduled trailer.
These examples are illustrative. Whether coverage responds depends on the facts and the policy's terms, conditions, and exclusions.
- 01A mower throws a rock through a window—or at a passerby.
- 02Herbicide drift damages the plantings next door.
- 03A loaded trailer disappears from the yard overnight.
- 04Ice refreezes after a plow run and someone falls in the lot.
- 05A crew member is hurt loading a mower onto the trailer.
- 06An irrigation line is cut during a hardscape install.
Prepare for underwriting
Better detail in. Less back-and-forth out.
A clear submission helps carriers understand your operation and reduces avoidable questions while you are trying to win a contract, add a service, or renew.
Your services
Revenue split across mowing, fertilization and chemical application, design and build, irrigation, tree work, and snow—each one changes carrier appetite.
Your fleet and gear
Trucks, trailers, drivers, radius, equipment schedules with serial numbers, and where everything parks overnight.
Your history
Years operating, pesticide applicator licensing, prior insurance, claims, payroll, and the limits your contracts require.
What changes the price?
Service mix, chemical application, tree and snow work, trucks and drivers, equipment values, payroll and crew size, required limits, location, licensing, operating history, and prior claims.
Get pricing for my operationA straightforward path
From your ZIP to an informed insurance conversation.
- 01Tell us where you operate
Start with your ZIP and preferred contact method.
- 02Describe the real operation
Routes, chemicals, builds, snow, crews, trucks, and trailers.
- 03Review available options
Compare policy structure, limits, terms, and price.
Questions from the route
Straight answers before you apply.
Every operation is different. These answers are starting points, not a substitute for reviewing your actual policy.
Does general liability cover fertilizer or weed-control damage?+
Not automatically. Standard general liability includes a pollution exclusion, and common lawn-care buyback endorsements are limited in scope. Chemical application should be disclosed and reviewed explicitly—often alongside contractors pollution liability.
Does my personal auto policy cover my work truck and trailer?+
Usually not. Personal auto policies routinely deny claims when a vehicle is used for business. Work trucks belong on a commercial auto policy, and every trailer should be scheduled—an unlisted trailer can mean a fully denied theft claim.
What insurance will a property manager or HOA require?+
Commonly a certificate of insurance showing general liability—often $1 million per occurrence—plus workers compensation, and additional insured wording naming their company. Many monitor COI expiration dates continuously, so lapses can cost the contract.
Is snow removal covered by my landscaping policy?+
Do not assume it. Snow and ice work raises completed-operations questions, contract hold-harmless clauses, and de-icing chemical exclusions. Disclose winter services before the season and confirm how the policy responds after your crew leaves the site.
Can tree work go on the same policy?+
It depends. Many carriers restrict or exclude tree work, especially above certain heights or beyond a share of revenue, and it carries its own workers comp classification. Disclose exactly what tree work you do so the placement matches it.
How is lawn care insurance priced?+
Carriers may consider your service mix, chemical application, tree and snow work, trucks and drivers, equipment values, payroll and crew size, required limits, location, licensing, operating history, and prior claims.
Ready when you are.