Commercial Insurance for Lawn & Garden Service Businesses

About Lawn & Garden Services Insurance

Lawn and garden service businesses operate across customers' properties every day — creating consistent general liability exposure for property damage, injury claims, and equipment-related incidents. A well-built lawn care insurance program protects your crews, your equipment, and your business.

Business Insurance Brokers places commercial insurance for lawn care companies, garden service businesses, residential landscaping contractors, mowing operations, and seasonal lawn maintenance services across Washington, Oregon, Idaho, Nevada, Arkansas, South Dakota, Pennsylvania, Texas, Indiana, and California. We cover your general liability, workers comp for seasonal and year-round crews, inland marine for mowers and equipment, and commercial auto for your trucks and trailers. Our carrier markets rates this class as Preferred — meaning competitive pricing and broad availability.

Key Coverages

Unique Risks & Coverage Considerations

Lawn care businesses face property damage claims from mower damage to landscaping, windows, and vehicles. Workers comp risk is elevated for outdoor crews using power equipment. Chemical application creates contractor's pollution liability exposure.

As an independent broker, we shop the entire commercial market — including specialty and surplus lines carriers that write difficult-to-place risks. Our carrier markets rates many of these classes as Preferred, meaning consistent underwriting capacity and competitive pricing. We present you with the best available options for your specific operation, location, and loss history.

States We Serve

We place commercial insurance for California businesses in Los Angeles, San Francisco, San Diego, Sacramento, San Jose, Fresno, Long Beach, Oakland, Bakersfield, Anaheim and statewide — alongside our existing markets in Washington, Oregon, Idaho, Nevada, Arkansas, South Dakota, Pennsylvania, Texas, Indiana, and California.

Why Choose Business Insurance Brokers?

We are 100% focused on commercial insurance — no personal auto, no homeowners policies, no distractions. That means deeper expertise, stronger carrier relationships, and better outcomes for your business. When you work with us, you get a dedicated commercial broker who understands your industry.