Landscaping & Lawn Care Insurance
Commercial Auto Insurance
for Landscaping & Lawn Care
Landscaping companies depend on trucks and trailers to move mowers, equipment, and materials between properties all day. Commercial auto insurance covers these vehicles for liability and physical damage — essential since personal auto policies exclude business use.
Industry-Specific Insight
Why Landscaping & Lawn Care Businesses Need Commercial Auto Insurance
Landscaping companies depend on trucks and trailers to move mowers, equipment, and materials between properties all day. Commercial auto insurance covers these vehicles for liability and physical damage — essential since personal auto policies exclude business use.
Coverage Details
What Commercial Auto Insurance Covers
Key protections included in a commercial auto policy for landscaping & lawn care operations.
FAQs
Common Questions from Landscaping & Lawn Care Businesses
Does commercial auto cover a trailer being pulled by my work truck?
Trailers need to be listed on your commercial auto policy. Make sure all trailers are specifically covered — unlisted trailers may not be protected.
What if an employee hits a mailbox with my truck?
Property damage liability under your commercial auto policy covers accidental damage to third-party property caused by your vehicles.
Can't I just use my personal auto policy for a work vehicle?
If a vehicle is primarily used for business, most personal auto policies will deny claims that arise from business use. Even vehicles that are also used personally should be covered under a commercial policy if they're regularly used for work. A licensed agent can help clarify where the line is.
What is hired and non-owned auto liability?
If your employees rent vehicles while traveling for work, or drive their personal cars for business errands, your business could be liable if an accident occurs. Hired and non-owned auto (HNOA) coverage fills that gap.
Complete Coverage
Other Coverages Landscaping & Lawn Care Businesses Commonly Need
A complete protection plan for landscaping & lawn care operations typically includes several complementary coverages.
Landscaping & Lawn Care · Commercial Auto
Get Commercial Auto Coverage for Your Landscaping & Lawn Care Business
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