"Cut Above the Rest. Covered Beyond the Rest."
Protecting service routes, equipment, and client properties
Lawn care operations involve recurring service on client properties — mowing, edging, blowing, and maintaining outdoor spaces on tight schedules across dense service routes. From debris-related property damage and equipment theft to employee injuries and auto accidents, lawn care risk is repetitive, route-based, and physically demanding. Whether operating a solo lawn care business or a multi-crew service company, exposures can arise from daily equipment use, crew performance, or job site conditions.
Properly structured insurance is essential to protect client accounts, crew safety, equipment value, and the revenue that keeps routes profitable.
Key Risks in Operations
Property damage from mowing or trimming operations
Debris projectiles causing bodily injury or vehicle damage
Employee injuries from equipment use and physical labor
Equipment theft from trailers or job sites
Auto accidents involving trucks, trailers, and route vehicles
Slip-and-fall claims on client properties
Client contract and service agreement liability requirements
Losses can arise even when the business is professionally managed.
Core Coverages
General Liability — Protects against bodily injury and property damage claims arising from lawn care operations on client properties.
Commercial Auto — Covers trucks, trailers, and route vehicles used to transport crews and equipment across service areas.
Inland Marine / Equipment Coverage — Protects mowers, trimmers, blowers, and lawn care equipment from theft, loss, or damage in transit or on job sites.
Workers Compensation — Provides coverage for employee injuries from equipment operation, repetitive physical tasks, and outdoor work conditions.
Commercial Property — Protects storage locations, shop space, and business assets from covered physical losses.
Tools & Equipment Floater — Covers smaller hand tools and portable equipment not included under a standard property or inland marine policy.
Umbrella / Excess Liability — Provides additional limits for severe bodily injury or property damage claims from debris or equipment incidents.
What's Commonly Overlooked
Insurance programs are often weakened by:
No inland marine coverage for equipment transported on open trailers
Inadequate auto coverage for trucks used in commercial operations
Failure to cover seasonal or part-time workers under workers compensation
Missing tools and equipment floater for hand tools and small equipment
Insufficient general liability limits for commercial property contracts
Gaps in coverage for equipment rented during peak season
These issues typically surface at claim time — not before.
A mower blade ejects a rock that cracks a client's window or hits a bystander
Equipment is stolen from an unsecured trailer overnight
A crew member is injured after slipping while operating a trimmer on a slope
A route truck is involved in a rear-end collision while towing a trailer
A client alleges property damage from improper edging near a garden or irrigation system
Even a single claim can disrupt operations, damage client relationships, or impact cash flow.
Why Proper Placement Matters
Coverage varies significantly based on:
Residential vs. commercial client mix
Number of crews and vehicles in operation
Equipment value and trailer setup
Seasonal staffing and employment structure
Service area size and route density
Improper placement can lead to uncovered claims, contract losses, or regulatory exposure.
Our Approach
At Cory Washington & Co., we structure lawn care insurance programs around the route-based, equipment-dependent nature of the business. We coordinate liability, auto, equipment, and workers compensation coverage to ensure every crew, every truck, and every client property is covered — every day.
Every route. Every crew. Every client. Covered.
Available in all 50 states. See how requirements differ in California, Texas, Florida, New York, or choose your state.