Lawn care and landscaping business insurance in North Carolina

What insurance does a lawn care business in NC need?

Core coverages include: commercial general liability (property damage and bodily injury at job sites, including lawn mower damage to client property); commercial auto (trucks and trailers used for business); inland marine or equipment coverage (mowers, blowers, edgers, tools); and workers comp if you have employees. Many carriers offer lawn care packages that bundle these coverages.

Does personal auto insurance cover my lawn care truck in NC?

No. Personal auto policies exclude vehicles used for business purposes. A commercial auto policy is required for trucks and trailers used in your lawn care operation. Driving a personally-insured vehicle to a job site and having an accident puts you personally exposed.

Is workers comp required for NC lawn care businesses?

NC requires workers comp for employers with 3 or more employees (including part-time). If you have a crew, workers comp is likely required and is also a critical protection for your business. An injury to an uninsured worker creates significant financial exposure.

What does lawn care general liability cover?

GL covers bodily injury and property damage to third parties arising from your operations, a rock through a client's window, damage to a client's flower bed, a visitor injured at a job site. It does not cover your own equipment (that requires inland marine) or your employees' injuries (that requires workers comp).