Lawn care · Insurance
Lawn care insurance: what the providers actually publish
Of the 4 providers whose lawn care pages we set out to read on September 6, 2026, 3 could be read and 1 sits behind a bot check. The three treat your mowers differently: one sells the cover separately, one lists it inside the package, and one prices it by the hour.
This page is a reading of what each provider publishes about lawn care, on the dates shown. The interesting column is the middle one: the same equipment sits in a different product depending on which page you land on.
The facts, provider by provider
What each published page says, in its own words. Every cell carries its source and the date it was read.
| Provider | Its page lists | Sold separately | Published price |
|---|---|---|---|
ThimbleGet an insurance policy by the hour, day, month or year in seconds. | general liability arranged by the hour, day, month or yearthimble.com · read 2026-09-06 | Its page names no separate exclusions.thimble.com · read 2026-09-06 | [TO VERIFY] its page publishes no price for this trade, so there is none to quote. |
Simply BusinessAlso known as inland marine insurance, this coverage can financially protect equipment and inventory that's in transport or stored offsite. | general liability for third party accidents, property damage and bodily injurysimplybusiness.com · read 2026-09-06 | contractor's equipment and small tools, sold separately as inland marinesimplybusiness.com · read 2026-09-06 | General liability $29.17/monthWorkers' compensation $38.91/monthContractor's equipment and small tools $20.83/monthsimplybusiness.com · read 2026-09-06 |
ERGO NEXT InsuranceThe cost of stolen tools: Your mowers and other work equipment | general liability; workers' compensation; contractors' errors and omissions; tools and equipmentnextinsurance.com · read 2026-09-06 | Its page names no separate exclusions.nextinsurance.com · read 2026-09-06 | [TO VERIFY] its page publishes no price for this trade, so there is none to quote. |
| Hiscox | [TO VERIFY] its page serves an automated security check that did not clear, attempted 2026-09-06. | [TO VERIFY] not read, so it is absent rather than assumed. | [TO VERIFY] not read. |
The gap list
What the online policy does not do
Your mowers are handled three different ways
One provider sells equipment cover as a separate line with its own price, one lists tools and equipment inside the package, and one arranges liability by the hour without naming equipment at all.
Applying product is a licensed activity, not an insurance one
The regulated part of lawn care is spraying, and it is certified by a state agency. No policy page mentions it, and no policy substitutes for the certificate.
Damage to the lawn you were hired to treat is not third party damage
The work itself coming out wrong is a business cost rather than a claim, in every standard form. That distinction is on this site's page about the types of liability.
One of the four pages could not be read at all
That cell is marked unverified rather than filled with what a comparable provider says.
Every line here comes from the providers' own pages or from the standard forms, with the date each was read.
The starter checklist, by trade and state
Every licensing, tax and renewal line for your trade, with the official source and the date it was read on each one. Contractor licensing verified in CA, NV, AZ, FL and TX, across the 7 trades of this site. Not 50 states: the ones we have not read are absent rather than estimated.
See what the checklist coversCommon questions
What does lawn care insurance cover?
The three pages we read describe injury to someone who is not an employee and damage to property belonging to someone else, plus the cost of defending a claim. What they do not cover is the work itself coming out wrong.
Are my mowers covered?
It depends which provider. One sells equipment cover as a separate product at its own monthly price, another lists tools and equipment inside its package, and the third does not name equipment on the page at all.
Does insurance replace the pesticide certificate?
No. Applying product is a licensed activity certified by a state agency, and no policy substitutes for that. Many states certify all commercial applicators, not only those handling restricted use products.
Why is one provider missing from the table?
Its site serves an automated security check that does not clear on a normal page load, so we could not read what it publishes. The cell says so with the date we tried.
How this page is sourced
Each row is a reading of the provider's own product page for lawn care, quoted verbatim and dated. Providers whose pages could not be read are listed with the attempt date rather than left out, because leaving them out would make the comparison look more complete than it is.
Related on this site: why mowing is generally unlicensed and applying product is not is on lawn care licensing. Which part of a liability policy reaches work already finished is on types of liability. Sourcing standard on methodology.