LightScapePro™ from NIP Group is a tailored insurance program built specifically for contractors who specialize in outdoor lighting systems and related services. Designed with input from industry professionals, this program offers comprehensive coverage for the unique exposures faced by these specialized contractors. Whether your client installs landscape lighting, manages seasonal displays, or provides irrigation services, LightScapePro™ delivers targeted protection to meet their business needs.
Ideal Accounts and Appetite
This program is best suited for contractors whose operations primarily involve outdoor lighting—specifically, those who derive at least 50% of their revenue from lighting system installation. Additional qualifying services include:
- Outdoor lighting installation and construction
- Landscape installation and maintenance
- Irrigation system installation and maintenance
- Holiday and seasonal lighting services
You might have a client who installs permanent outdoor lighting systems for residential properties or a contractor who designs and maintains high-end lighting displays for commercial landscapes—these are the kinds of accounts that LightScapePro™ is built for.
Coverage Highlights and Advantages
The LightScapePro™ program offers comprehensive coverage options tailored to the specific risks outdoor lighting contractors face, including property damage, liability exposures, and seasonal operations. Coverage is structured to address both installation and ongoing service components, helping your insureds stay protected year-round. With access to a range of carrier partners, NIP Group is able to offer flexible solutions across varied exposures and business models.
Underwriting Notes and Minimum Premiums
Minimum premiums for LightScapePro™ vary depending on the risk profile, location, and scope of services provided. Submissions should clearly document the percentage of business devoted to outdoor lighting and related services. Accounts with less than 50% outdoor lighting exposure may not qualify. NIP Group underwriters are experienced in evaluating niche contractor risks and will work with you to assess fit and pricing.
Territories and Availability
LightScapePro™ is available in most states, including but not limited to CA, FL, TX, NY, and NJ. The program is written on an admitted basis in most available states, offering greater compliance and ease of placement. Please reach out to NIP Group for state-specific availability and underwriting guidance.
Why Work With NIP Group?
NIP Group is a trusted Managing General Agency with deep expertise in niche contractor programs. Their specialized underwriting team understands the unique risks of outdoor lighting and landscape service providers, offering agents a streamlined process and dedicated support. With access to multiple carriers and flexible underwriting approaches, NIP Group helps you confidently place hard-to-fit contractor accounts.
Frequently Asked Questions
What types of accounts are a good fit for the LightScapePro™ program?
LightScapePro™ is ideal for contractors who earn at least 50% of their revenue from outdoor lighting installation. Accounts may also include landscape, irrigation, and holiday lighting services.
Is this program available on an admitted basis?
Yes, LightScapePro™ is written on an admitted basis in most available states.
What information is needed to submit an account?
Submissions should include details on services offered, percentage of revenue from outdoor lighting, geographic location, and prior loss history, if available.
Are seasonal or holiday lighting services eligible?
Yes, holiday and seasonal lighting contractors are eligible if outdoor lighting makes up at least 50% of their business.
What states is the program available in?
The program is available in most states, including CA, NY, TX, FL, and NJ. Contact NIP Group for specific state availability.
Need help placing an account? Connect with a market specialist.