Auto-Owners Insurance: Landscaping & Lawn Care Insurance Appetite

Auto-Owners Insurance writes landscaping & lawn care at standard terms for clean accounts. Tree work dramatically increases GL premium – confirm with the client whether they do tree removal before quoting

Available Lines

Line of Business
Business Owners Policy (BOP)
General Liability
Commercial Property
Workers' Compensation
Commercial Auto
Inland Marine

Premium Range

$3,000-$18,000

Typical annual premium

Target States

26 states (Midwest, Southeast, Mid-Atlantic)

Key Features

Contractor Insurance covers landscaping & lawn care operations with Package Discount, Waiver of Subrogation (at no additional cost), Contractors Errors & Omissions
Workers' comp for 5-30 employees with experience mod-based pricing
Auto-Owners Insurance provides inland marine covering equipment on trucks and job sites
Auto-Owners Insurance provides seasonal workforce flexibility in workers' comp billing

Limitations

Tree work (removal, trimming, topping) excluded or surcharged – requires separate tree care endorsement
Pesticide/herbicide application may require separate pollution liability depending on volume
Heavy excavation or grading work beyond standard landscaping is typically declined

Compare Other Carriers for Landscaping & Lawn Care

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