Wellkept Insurance writes coverage for lawn-care companies across Illinois — mowing routes, fertilization and weed control, cleanups, and the commercial accounts that ask for proof of insurance before you’re on the schedule.
What a lawn-care policy covers
- $1M/$2M general liability — mower-thrown debris, damaged property, herbicide drift onto a neighboring lawn. Commercial accounts ask for these limits by default.
- Workers’ compensation — required by Illinois law once you hire, even seasonally.
- Commercial auto — the truck and trailer that run your route.
- Equipment coverage — mowers, trimmers, and blowers, on the trailer or off it. Theft from an open trailer is the most common claim.
What it costs
General liability for a small Illinois lawn-care company typically runs $500–$1,200 a year. If you apply fertilizer or herbicide, tell us — it changes the quote, and an accurate application is what keeps a claim payable. A quote takes about ten minutes.
What commercial accounts require
HOAs and property managers usually want their entity named as additional insured and a certificate of insurance on file before the first cut. Wellkept issues certificates the same day.