Insurance Products

Landscaping and Lawn Care Insurance

American Family Insurance has your Lawn Care, Landscape and Gardening business covered.

Just as your customers count on you to make their lawns and gardens look their best, you can count on American Family Insurance to protect your business. Don't take a chance on equipment malfunctions or on-the-job injuries. At American Family, we'll focus on keeping your business protected so you can focus on your business of keeping your customers' lawns and gardens well-groomed.

landscapers at work

Business Insurance Coverage Options

American Family's Lawn Care, Landscaping and Garden Coverage is provided by a package of insurance protection custom-built for the needs of lawn care specialists who focus on the planting and care of lawns, landscapes and gardens. Depending on your needs, coverages may include:

  • Business Liability Coverage — Provides coverage for bodily injury, property damage or personal and advertising injury arising from your business operations.
  • Building and Business Personal Property — Provides coverage for your building and business personal property such as computers, tools and equipment.
  • Commercial Auto Provides coverage for your vehicles for damage or liability that may arise out of your lawn care and landscaping business.
  • Business Income and Extra Expense Provides coverage for actual loss of business income if your business operations come to a halt due to a covered loss, and for extra expenses incurred due to the loss.
  • Crime and Fidelity Coverages — Protects your business from loss of money, securities or inventory resulting from acts committed by your employees and non-employees. Covers activities such as employee dishonesty, embezzlement, forgery, robbery and burglary.
  • Inland Marine Coverage — Provides coverage for your mobile machinery and equipment used away from your premises.
  • Limited Pesticide/Herbicide Application Coverage* — Provides limited pollution coverage for losses that occur when herbicides and pesticides are applied by a certified handler, and according to manufacturer's specifications.

*Not available in all states.

Additional insurance coverages you might consider:

  • Commercial Umbrella Insurance
  • Workers Compensation Insurance
  • Commercial Auto Insurance
  • Employment Practices Liability*
  • Life Insurance

* coverage offered through our Brokerage and Alliances Division

man mowing lawn

Why choose American Family Insurance for your Lawn Care, Landscape and Gardening Insurance?

We understand your needs. American Family has been protecting the livelihoods of business customers like you for more than 35 years. As business owners themselves, our agents have exceptional knowledge of what it takes to run a successful business. We understand your insurance needs, as well as the responsibilities and challenges you face.

Our experience means you can trust American Family to provide solid advice to help protect your lawn care, landscape or gardening operation — and your dreams of owning your own business.

Reducing risks means reducing costs — and improving your bottom line. As an American Family policyholder, you'll have access to board certified safety professionals, as well as safety tools and materials, to proactively help you make your lawn care, landscape or gardening workplace safer for your employees and customers.

Fast, fair claims. You can count on us when you need us the most with fast, fair and friendly claims service. Our claims adjusters understand the unique issues a business claim can present, and we're dedicated to getting your lawn care, landscape or gardening business up and running as soon as possible.

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Discuss Your Needs

Discuss Your needs with an American Family local agent.

With American Family Insurance, we make your insurance experience easy and convenient and ensure there are no unwelcome surprises -- especially in your time of need.

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