Commercial industry
Lawn Care Insurance
Lawn-care routes look simple until a trailer disconnects on the arterial, a mower throws a rock, or a fertilizer application browns a custom lawn. The file is commercial auto, a equipment floater, GL with a real pesticide/herbicide/fertilizer grant if you treat, and payroll in the right workers-comp system.
We place route-based lawn-care operators. If you have crossed into landscape construction, irrigation excavation, or tree work, our landscaping page is the better chassis and we will move you.
Risks we actually schedule
- Thrown-object and mower damage to customer property or a passing car.
- Chemical turf claims if you treat, and a GL pollution exclusion if you do not endorse it.
- Trailer and truck auto claims on tight residential routes.
- Seasonal crew injury — L&I in Washington, private WC in competitive states.
Frequently asked questions
We only mow, we do not spray. Do we still need a pollution endorsement?
If you truly never apply chemicals, maybe not. The moment you add a weed-and-feed, you do. Tell us the honest split.
Is a pickup on a personal policy enough?
Not if it tows a trailer of mowers for a business. Title, use, and the trailer belong on commercial auto.
Do HOA contracts require additional insured?
Almost always, plus a waiver. Send the exhibit.
Related coverage, industries, and locations
General Liability
Third-party injury, property damage, and products/completed-operations protection for shops, offices, and jobsites.
Coverage detailsCommercial Auto
Owned, hired, and non-owned vehicles — work vans, box trucks, service bodies, trailers, and company cars.
Coverage detailsInland Marine
Tools, equipment, cargo, installation jobs, and property that moves — the coverage a building policy leaves behind.
Coverage detailsWorkers Compensation
Private WC in competitive states, plus stop-gap and multi-state design. Washington employers stay with L&I for WA payroll.
Coverage detailsLandscaping
Crews, equipment, pesticide endorsements, and the jobsite GL a garden-center policy will not provide.
Industry pageProperty Management
Managers of commercial office, retail, and industrial buildings — GL, E&O, EPL, and the owner certificates you issue every week.
Industry pageCleaning Company
Janitorial GL, a service bond, and care of other people’s premises and property.
Industry pageIndiana
Licensed commercial insurance broker serving Indiana.
State page