Lawn Care Insurance in Utah
Get your free instant quote today and secure complete lawn care insurance tailored to your business needs in Utah.
Coverage options for Utah Lawn Care Businesses
Whether you're a solo operator mowing residential lawns or a large company maintaining commercial grounds, our customized insurance meets your exact operational and legal requirements. Key coverages include:
General Liability
Contractors E & O
Commercial Auto
Workers’ Compensation
Tools & Equipment
Voluntary Property Damage
Anderson Insurance Group partners with trusted carriers like Acuity, Auto-Owners, Cincinnati Insurance, and United Insurance Group to provide top-rated lawn care coverage.
Utah Lawn Care Insurance You Can Trust
Get customized lawn care insurance designed to protect your business from accidents, property damage, and costly claims. Anderson Insurance Group delivers reliable coverage for lawn care crews, ensuring you meet licensing requirements and exceed client expectations.
General Liability Insurance
General liability insurance is essential for Utah lawn care businesses, covering third-party bodily injury and property damage like a client tripping on equipment or a mower cracking a window. It pays for medical costs, repairs, legal fees, and settlements. Many municipalities, HOAs, and commercial clients require it, making it key for compliance, credibility, and winning contracts.
Workers’ Compensation Insurance
If you employ seasonal workers, a full-time crew, or subcontractors, Utah law requires workers' compensation insurance to cover on-the-job injuries, including medical bills and lost wages. Protect your team and stay compliant with a policy from Anderson Insurance Group. Workers’ Compensation Insurance & Resources | WCF Insurance(opens in new tab)
Comercial Auto
If your lawn care business relies on trucks and trailers, commercial auto insurance is essential. It covers your work vehicles and drivers against accidents, theft, and damage whether you run one truck or a full fleet, we've got the right coverage for your business. Commercial Auto Insurance | Anderson Insurance Group
Voluntary Property Damage
Voluntary Property Damage is not offered by every company, but it can be a valuable part of your protection. It covers damage to property that is under your care, custody, or control. What is Voluntary Property Damage Coverage? | Anderson Insurance Group(opens in new tab)
Contractors Errors & Omissions (E&O)
Contractors Errors & Omissions (E&O) protects your lawn care business from mistakes or negligence like fertilizer burning a lawn, herbicide drifting onto ornamental beds, or a mower scalping new turf. It covers repairs, legal fees, and settlements, keeping your reputation and client relationships intact.
Tools & Equipment Insurance
Comprehensive protection for your lawn care tools and machinery at the shop, on the trailer, or on the job. This coverage safeguards your gear against theft and damage, an essential add-on to general liability if you transport expensive equipment. Inland Marine insurance can help cover:
Your owned equipment: mowers, trimmers, blowers and aerators Employee tools and protective gear Borrowed or leased equipment for special projects
Employee tools and clothing
Borrowed or leased equipment
Sample lawn care insurance rates by crew size
Real quoted pricing for general lawn care operations. Compare the Basic and Gold programs side by side, then tell us your crew size and we'll confirm your exact rate.
1 Owner only
1 Owner, no employees
$508.00/ year
or $48.18 per month
Basic and Gold came in within $1 a year for a solo owner so this quote is written on Gold, at Gold limits.
- $1,000,000 / $3,000,000 general liability limits
- $15,000 contractors' tools & equipment
- $2,500 / $5,000 voluntary property damage
- Blanket waiver of subrogation & blanket additional insured
1 Owner + 1 Employee
1 Owner, 1 employee
$508.00/ year
or $48.18 per month
- $300,000 / $1,000,000 general liability limits
- $15,000 contractors' tools & equipment
- $2,500 / $5,000 voluntary property damage
- No blanket waiver of subrogation or blanket additional insured
1 Owner, 1 employee
$551.00/ year
or $52.09 per month
- $1,000,000 / $3,000,000 general liability limits
- $15,000 contractors' tools & equipment
- $2,500 / $5,000 voluntary property damage
- Blanket waiver of subrogation & blanket additional insured
1 Owner + 2 Employees
1 Owner, 2 employees
$569.00/ year
or $65.27 per month
- $300,000 / $1,000,000 general liability limits
- $15,000 contractors' tools & equipment
- $2,500 / $5,000 voluntary property damage
- No blanket waiver of subrogation or blanket additional insured
1 Owner, 2 employees
$699.00/ year
or $65.55 per month
- $1,000,000 / $3,000,000 general liability limits
- $15,000 contractors' tools & equipment
- $2,500 / $5,000 voluntary property damage
- Blanket waiver of subrogation & blanket additional insured
About these rates Pricing shown is for general lawn care operations and reflects quotes issued at the time of publication. Monthly figures are the carrier's installment amounts and may include billing or financing charges, so twelve payments will not always equal the annual premium. Final premium depends on payroll, revenue, claims history, state and underwriting review. This page is a summary for comparison only it is not a quote, a binder, or a contract of insurance. Coverage is governed solely by the terms of the policy issued.
Why Utah Lawn Care Businesses Need Insurance
Licensing & Contracts: Many city permits and commercial clients require proof of general liability and workers' compensation before awarding lawn care contracts. Contractors insurance | Anderson Insurance Group
High-Risk Work: Lawn care involves equipment hazards, pesticide and fertilizer use, tripping risks, and environmental exposure. Lacking insurance puts your finances at risk after just one incident.
Flying Debris: Mowers and string trimmers throw stones and other objects without warning, which can crack windows, dent vehicles or injure someone nearby. A single incident without proper coverage could cost your business dearly.