Overview of the Program From Agents Insurance Markets, Inc.
Agents Insurance Markets, Inc. specializes in providing tailored insurance solutions for contractors throughout North Carolina and Virginia. With over 30 years of experience, we understand the risks landscape professionals face and offer specialized General Liability coverage for landscape gardening operations. Whether your client is a one-person lawn care business or a full-service landscaping company, our program delivers flexible and affordable protection.
Ideal Accounts and Appetite
This program is designed for a wide range of landscape and lawn care businesses, including:
- Landscape Gardeners
- Lawn Care Providers
- Grass Mowing Services
- Tree Pruning, Dusting, and Spraying Operations
- Stump Grinding Services
- Residential and Commercial Landscaping Contractors
If you have clients working on residential or commercial landscaping projects—whether trimming trees in a suburban neighborhood or maintaining large commercial campuses—this program is built to meet their needs.
Coverage Highlights and Advantages
Our program offers robust protection with a range of important features:
- Comprehensive General Liability coverage
- Optional Property Coverage with Enhancement Form
- Equipment and Tools covered via Property Floaters
- Additional Insured Endorsements available
- Waiver of Subrogation and Primary Wording available
- Per Project Aggregate limits available
Product Highlights Include:
- General Liability limits up to $5,000,000
- Excess Liability available when needed
- Damage to Premises Rented to You – up to $100,000
- Medical Payments – up to $5,000
- Occurrence form coverage
- Low minimum premiums for qualifying accounts
Underwriting Notes and Minimum Premiums
Our underwriting team evaluates each submission based on the scope of operations, experience, and exposures. We work with reputable non-admitted carriers, providing flexibility in crafting customized solutions. While minimum premiums are competitively low, final pricing will depend on the specific risk profile and coverage selected.
Territories and Availability
This program is currently available in North Carolina (NC), Virginia (VA), and the District of Columbia (DC). We welcome submissions from agents and brokers working with landscaping professionals in these areas.
Why Work With Agents Insurance Markets, Inc.
As a Managing General Agency (MGA), Agents Insurance Markets, Inc. brings decades of experience and strong carrier relationships to help you succeed. We specialize in contractor risks and understand the nuances involved in insuring landscape professionals. Our team is committed to rapid turnaround times, knowledgeable service, and helping you find the right fit for your client's needs. Whether your client trims hedges or manages full-scale commercial landscaping contracts, we can help you place the business with confidence.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for landscape gardeners, lawn care services, tree pruning and stump grinding professionals, and both residential and commercial landscapers operating in NC, VA, and DC.
Is this program available for new landscaping businesses?
Yes, we consider both new ventures and established businesses. Each submission is reviewed individually based on the operations and experience level.
What are the key coverage options included in this program?
Key options include General Liability up to $5 million, Property Enhancement forms, Equipment Floaters, Additional Insureds, Waiver of Subrogation, and more.
Can I write both residential and commercial landscaping risks?
Yes, the program accepts both residential and commercial landscaping accounts, provided they meet underwriting guidelines.
What carriers do you work with for this program?
We work with various reputable non-admitted carriers to provide flexible solutions tailored to your client’s specific needs.
Need help placing an account? Connect with a market specialist.