Whether you’re managing multiple properties year-round or mowing a few lawns on the weekends, accidents can happen in an instant. With affordable, flexible lawn care insurance from Berxi, you can protect your business, your equipment, and your finances — so you can focus on the job, not what could go wrong.
General liability insurance is essential for all lawn care businesses and professionals. If you accidentally damage a client’s property or cause an injury — such as someone tripping over your equipment or getting hit with a rock from your mower — your lawn care insurance can help cover medical bills, repair costs, and even legal fees and settlements in the event of a lawsuit.
In many cases, general liability insurance may also be required to do business. You may need coverage if:
Even small jobs can lead to unexpected claims, which is why lawn care insurance coverage can be valuable whether you have a full-time business or do lawn care part-time or seasonally.
All lawn care businesses and professionals can benefit from general liability insurance, including:
Full-time lawn care business owners who maintain residential and commercial properties year-round
Part-time lawn care professionals who work seasonally or service a limited number of properties
Landscaping contractors who offer additional services like trimming, edging, fertilization, mulching, gardening, and yard cleanup
Grounds maintenance professionals who service HOAs, apartment complexes, office parks, and municipal properties
Berxi’s general liability insurance for lawn care businesses starts at just $500/year.
Your annual premium will depend on a few different factors, including:
Because Berxi has no hidden costs or interest fees, lawn care professionals who choose our insurance save an average of 15% vs. other insurance companies. The fastest way to find out how much you might pay for lawn care liability insurance is to get a quote.
Berxi’s customized lawn care business insurance is designed to protect you from the real-world risks you face on the job — from third-party property damage and bodily injuries to damaged equipment.
General liability insurance helps cover third-party claims of bodily injury and property damage related to your lawn care work. It also covers personal and advertising injury, including things like libel, slander, or copyright infringement in your marketing materials.
Examples include:
You can also add optional business personal property (BPP) coverage to your Berxi general liability policy to help protect your tools and equipment in case they’re damaged.
Examples include:
Berxi’s policies are built with lawn care professionals and businesses in mind. Key benefits include:
If a customer or visitor is injured at a job site or your place of business — for instance, by slipping and falling — your general liability policy can help cover their medical bills.
If you or your employees accidentally damage someone else’s property, general liability insurance can help pay to repair or replace it.
Personal and advertising injury coverage protects against legal issues stemming from things you write or say, including your marketing activities. It safeguards you from claims of reputational harm, such as libel and slander, as well as copyright infringement in your marketing materials and privacy invasion.
If your business is sued for a general liability claim (like third-party bodily injury, property damage, personal injury, or advertising injury), your policy can pay for a lawyer to defend you and cover any damages or settlement costs.
If a customer sues your business for alleged property damage or injury due to your completed service or product, products-completed operations coverage can help protect you legally and financially.
With a general liability policy from Berxi, everyone employed by your business is covered, not just you. That means your business will be protected from general liability claims resulting from employee actions: if an employee accidentally damages someone’s property, your Berxi policy can help cover the costs.
You can choose to add business personal property (BPP) coverage to your general liability policy as an optional endorsement, which can help pay for damage or loss of your tools, equipment, computers, furnishings, and other business assets. (Note that BPP generally doesn’t apply to normal wear and tear.)
In addition, you can add workers’ compensation and cyber liability coverage to your Berxi general liability insurance policy by speaking with our in-house customer support team.
With a financial strength rating of A++ by AM Best, we have the stability and expertise to protect you long-term.
Berxi never has any interest fees, hidden costs, or membership fees. In fact, people who choose Berxi save an average of 15% vs. industry standards.
You can visit our website to get a quote, buy a policy, update your account information, and file a claim — all in just a few clicks.
When you call our support line, you’ll reach a real human being from our in-house product specialist team who will work hard to answer all of your questions.
Getting covered is fast and straightforward.
Step 1: Using our easy online quote process, just answer a few quick questions about your work, including where you work, your business details, and your coverage needs. Get a quote today.
Step 2: While quoting, you’ll have the option to add business personal property (BPP) insurance coverage to your policy, which helps repair or replace your tools and equipment if they’re damaged.
Step 3: Get an instant, personalized quote with clear pricing.
Step 4: Purchase coverage online in minutes.
Step 5: Access your policy 24/7 to manage certificates, update your information, or file claims — right from your phone or computer.
“Completely stress-free setup and customized to my needs. So easy I didn’t even need to talk to anyone!”
— Che H.
“The quoting process was easy, and the price is better than anywhere I’ve found!”
— Jeremy B.
“Berxi was considerably less expensive than my previous brick and mortar agent, and much more accessible. I wish I would have made the switch earlier.”
— Edward E.
Yes, even part-time or seasonal lawn care work carries real risks. A single accident, like property damage or a customer injury, could lead to costly claims, and lawn care business insurance can help protect your finances. In some cases, clients or contracts may also require proof of coverage before hiring you.
Lawn care insurance typically includes general liability coverage for third-party bodily injury, property damage, and personal or advertising injury claims. It can also help pay for legal defense costs, settlements, or judgments tied to covered incidents. Optional add-ons, like business personal property coverage, can extend protection to your tools and equipment.
Equipment coverage is usually available through an optional add-on to your general liability insurance policy called business personal property (BPP) coverage. This can help pay to repair or replace tools and equipment if they’re damaged by a covered event. Standard general liability insurance alone does not typically include this protection, but with the affordable BPP add-on, you can easily protect your essential equipment and other business assets.
Once you purchase a policy, you can receive your certificate of insurance by calling us at 833-242-3794.
Berxi covers a wide range of lawn care professionals, from full-time business owners to part-time operators. This includes independent lawn care providers, landscaping contractors, and grounds maintenance professionals working on residential or commercial properties. Coverage is designed to adapt to different services and business sizes.
Save on top-tier coverage in minutes. get a quote
