Protect Your Lawn Care Business: Insurance Basics | Steve Bonesteel

Always carry general liability insurance to protect your business against property damage and personal/advertising injury, as your risk profile differs significantly from a storefront business.

Ensure your vehicles and trailers are covered by commercial auto insurance, not just personal auto, especially if operating as an LLC or corporation, to avoid personal liability in case of accidents and lawsuits.

Invest in equipment floater coverage (inland marine) for tools and equipment transported to job sites, as standard business personal property insurance typically only covers items at your main storage location.

Be aware of your state's workers' compensation laws, as requirements vary for full-time, part-time, and even subcontractor employees; non-compliance can lead to significant fines.

Understand the financial implications of filing small claims; frequent small claims can increase your rates more than a single large claim, and consider self-insuring for minor damages (e.g., under $1,000-$1,500).

Partner with an insurance agent who specializes in the lawn and landscape industry to ensure you have appropriate coverage for all aspects of your operations, including specific activities like snow removal.

Regularly communicate with your insurance agent about any significant changes in your business operations, such as expanding services (e.g., tree trimming beyond a step ladder, deep excavation, or roofing), to confirm coverage and prevent gaps.