LightScapePro™ from NIP Group is a specialty insurance program crafted for contractors who design, install, and service outdoor lighting systems. Developed with underwriting input from industry professionals, the program addresses the unique operational and seasonal risks faced by these contractors—whether they install permanent landscape lighting, manage large commercial displays, or provide holiday and irrigation services. LightScapePro™ pairs targeted coverages with flexible placement options so you can better protect niche lighting contractors.
Ideal Accounts and Appetite
LightScapePro™ is intended for contractors whose operations are primarily outdoor lighting—specifically, those deriving at least 50% of revenue from lighting installation and related services. The program also considers accounts that combine lighting with landscape or irrigation work when lighting is the core offering.
- Outdoor lighting installation and construction
- Landscape installation and maintenance (as a secondary line)
- Irrigation system installation and maintenance
- Holiday and seasonal lighting services
Examples you might place: a residential contractor that installs permanent landscape lighting across high-end properties, or a commercial vendor that designs and maintains seasonal displays for retail campuses. Accounts where lighting represents less than half of revenue typically will not meet program guidelines.
Coverage Highlights and Advantages
LightScapePro™ bundles coverages to address the exposures common to outdoor lighting contractors: property damage during installation, general liability from on-site work, and risks tied to seasonal operations and loose wiring or temporary displays. The program supports both installation projects and ongoing maintenance contracts, and NIP Group’s relationships with multiple carrier partners allow for flexible limits and endorsement options tailored to each account.
Underwriting Notes and Minimum Premiums
Underwriters evaluate submissions based on revenue mix, scope of services, contract types (installation vs. maintenance), and prior loss history. Document the percentage of revenue tied to outdoor lighting, sample contracts or scopes of work, and any safety programs or certifications. Minimum premiums vary by risk profile and state—provide full submission details so NIP Group can determine 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, simplifying compliance and placement in many territories. Contact NIP Group for specific state availability and admitted/non-admitted options.
Why Work With NIP Group?
NIP Group is a Managing General Agency with focused expertise in niche contractor programs. Their underwriting team understands the operational details and seasonal exposures unique to outdoor lighting contractors, and they offer a streamlined submission process and multi-carrier access to help you place hard-to-fit risks. If you need carrier flexibility or tailored endorsements for complex installs, NIP Group can help you structure the account.
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 when lighting is the primary business.
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?
Include details on services offered, the percentage of revenue from outdoor lighting, geographic locations of work, sample contracts/scopes, and prior loss history if available.
Are seasonal or holiday lighting services eligible?
Yes. Holiday and seasonal lighting contractors are eligible provided outdoor lighting comprises 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 state-specific availability.
Need help placing an account? Connect with a market specialist.