Lawn Care Insurance Arkansas

Coverage Overview

What's Typically Covered

• General Liability — third-party injury and property damage at client properties
• Commercial Auto for lawn care trucks and trailers
• Workers Compensation — required for AR employers
• Tools and Equipment / Inland Marine for mowers and equipment
• Pesticide and Herbicide Applicator Liability
• Fertilizer and Lawn Treatment Liability
• Commercial Umbrella / Excess Liability
• Contractor Bond for lawn service contracts

Arkansas Lawn Care Insurance Basics

Arkansas's warm climate and long growing season make lawn care a year-round business in much of the state. From Little Rock suburban mowing routes to Northwest Arkansas's growing residential market, lawn care companies in Arkansas need commercial insurance that covers the real risks of their work.

Business Insurance Brokers LLC is licensed in Arkansas and compares multiple carriers to find competitive lawn care insurance for companies of all sizes — from solo operators to companies with multiple crews.

The Most Common Lawn Care Insurance Claims in Arkansas

Flying debris — a rock or piece of debris thrown by a mower or trimmer that breaks a window, damages a vehicle, or injures a bystander — is the most common general liability claim for Arkansas lawn care companies. We make sure your GL policy covers this specific exposure without inadequate sublimits.

Chemical damage from herbicide or fertilizer application is the second most common claim. Over-application or spray drift can damage client landscaping or an adjacent property. Pesticide applicator liability must be specifically endorsed on your policy — we check that it is.

Commercial auto for trucks, trailers, and equipment haulers is typically the highest-premium line. We shop multiple carriers including a top-rated admitted carrier and a top-rated admitted carrier to find competitive commercial auto rates for Arkansas lawn care operations.