Landscaping Insurance

Overview of the Program from Cochrane & Company

Cochrane & Company offers a specialized Landscaping Insurance program through its managing general agency platform to help independent agents place landscaping risks that need commercial general liability, property and ancillary coverage tailored to their exposures. Limits, forms and available endorsements are tailored to contractors who perform the work on residential and commercial accounts across the western U.S.

Ideal Accounts and Appetite

• Small to mid-sized lawn care and landscape maintenance contractors
• Sprinkler and irrigation system installers and servicers
• Landscape installation contractors who perform planting, mulching and light hardscape work
• Companies performing incidental tree trimming/pruning (tree trimming must be under 15% of total sales)

Not a fit: landscape architects who do not perform the work, firms that subcontract all operations, and accounts with significant tree removal/complex arborist work or heavy excavation beyond normal landscaping scope.

Coverage Highlights and Advantages

• Primary General Liability limits available up to $3,000,000 occurrence/aggregate
• Excess/Umbrella capacity up to $25,000,000
• Blanket Additional Insured endorsement available for qualifying accounts
• Errors & Omissions (professional liability) available as a policy part
• Included coverages: Medical Payments ($5,000), Pesticide/Herbicide Applicator Coverage (policy limits), In-Transit Pollution ($25,000 occurrence/$100,000 aggregate), Lost Key Coverage ($25,000)
• Property coverages: building, replacement cost or ACV, accounts receivable, computer equipment, contractors’ equipment, equipment breakdown
• Crime extensions including theft of money and securities, inside premises robbery or safe burglary, and outside the premises loss options
• Property Damage Extension for items in care, custody or control: $5,000 occurrence/$25,000 aggregate included (higher limits available)

Note: A minimum deductible of $500 is required for this program.

Underwriting Notes and Minimum Premiums

Underwriting focuses on operations, revenue mix, and the percentage of tree work and pesticide application. Accounts with significant arborist work, heavy excavation, or landscaping design-only operations are typically declined. Minimum premium and specific pricing vary by state and risk characteristics; contact Cochrane & Company for current appetite and binding authority.

Territories and Licensing

This program is available in AK, CA, ID, MT, NV, NM, ND, OR, WA and WY. Carrier availability varies by state and risk; Cochrane & Company places business with multiple markets to fit client needs. The program is offered through the MGA—confirm admitted vs. non-admitted options with underwriting on a case-by-case basis.

Why Work with Cochrane & Company

• Deep program focus on landscape contractor exposures and contractor equipment needs
• Flexible limits, umbrella capacity, and tailored endorsements for landscaping operations
• Available property and crime protections to support contractor operations and small fleet/in-transit exposures
• Responsive underwriting for common landscaping risks—agents get clear guidance on fit and limitations

Example Accounts That Fit

• You might have a residential lawn care company with fertilizer and pesticide application services, a small fleet of trucks, and $500k of annual revenue—eligible for pesticide applicator coverage and in-transit pollution limits.
• You might place a sprinkler installation contractor that performs irrigation installs and seasonal maintenance, with some owned contractors’ equipment and a need for blanket additional insured endorsements for commercial clients.

For more information on Landscaping Insurance with Cochrane & Company, including current carrier appetite, binding authority and submission requirements, please contact your Cochrane representative or underwriting team.