Liability insurance for Landscaping & Lawn Care

• Do I need insurance for side work or moonlighting in the trades?

  Yes — from the first paid job. None of the policies already around you respond to moonlighting: your employer's insurance covers their business, not your weekend jobs, and homeowners policies barely acknowledge business activity. A sole proprietor can buy general liability directly, no LLC required, and completed work keeps the exposure alive long after you've left.

• What insurance do I need for a lawn care business?

  General liability carries most of the risk in lawn care: mower-thrown debris, damaged client property, and injuries on ground you just treated. If you apply pesticides or herbicides, most states require licensed applicators to prove liability insurance — and standard GL excludes chemical claims unless an applicator endorsement is added. The truck and trailer are a separate, commercial-auto exposure.

Coverage mechanics for Landscaping & Lawn Care

Policy mechanics, exclusions, certificates, and claims questions live on our sister publication: Landscaping & Lawn Care on isthiscovered.org.