Overview of the Program From Agents Insurance Markets, Inc.
Agents Insurance Markets, Inc. provides targeted General Liability solutions for landscape gardening and lawn care contractors across North Carolina, Virginia and the District of Columbia. With more than 30 years placing contractor business, we combine niche underwriting expertise and access to flexible non-admitted markets to help you place accounts that need tailored limits and endorsements.
Ideal Accounts and Appetite
This program is designed for a broad range of landscape and grounds-maintenance operations, including:
- Landscape gardeners and full-service landscapers
- Lawn care and grass-mowing services
- Tree pruning, trimming, dusting and spraying
- Stump grinding and light site cleanup
- Residential and commercial maintenance contractors
Typical fits are contractors performing routine lawn and landscape services, seasonal crews, and firms that need higher limits or specific policy features not available in standard admitted markets. Accounts with heavy excavation, major tree removal, or extensive subcontracted heavy civil work generally fall outside this appetite.
Coverage Highlights and Advantages
The program centers on comprehensive General Liability with options and endorsements that align with contractor exposures:
- General Liability limits available up to $5,000,000
- Occurrence-form coverage
- Excess liability available to increase limits
- Property Enhancement form options
- Equipment and tools coverage via property floaters
- Additional Insured endorsements, primary wording and waiver of subrogation available
- Per-project aggregate limits offered where required by contract
- Damage to premises rented to you (up to $100,000) and Medical Payments (up to $5,000)
Underwriting Notes and Minimum Premiums
Underwriting focuses on the specific operations, claims history, contract exposures and equipment values. We place business with reputable non-admitted carriers to offer greater flexibility on limits and endorsements. While the program offers competitive minimums for qualifying accounts, final pricing depends on the insured’s operations, payroll/subcontractor usage, past losses and requested coverages.
Territories and Availability
This program is available to agents writing business in North Carolina (NC), Virginia (VA) and the District of Columbia (DC). Policies are placed through non-admitted carriers where appropriate; please confirm state availability and any local licensing requirements when submitting.
Why Work With Agents Insurance Markets, Inc.
As a Managing General Agency specializing in contractor classes, Agents Insurance Markets, Inc. pairs experienced underwriting with fast, practical service. We help agents place accounts that need flexible wording, higher limits, or equipment protection not always available in admitted markets. Our team supports quick turnaround on submissions and can assist with policy language for owner or venue additional insured requests and per-project aggregates.
Example Accounts That Fit This Program
- A small commercial landscaping contractor that maintains office campus grounds, uses light tractors and hires seasonal crews, and needs a $2M general liability limit with additional insured wording for the property owner.
- A solo lawn care operator who carries mowers, a chipper and trailer equipment and wants scheduled equipment coverage plus general liability on an occurrence basis.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program fits landscape gardeners, lawn care and mowing services, tree pruning and stump grinding contractors, and both residential and commercial landscapers operating in NC, VA and DC—especially when higher limits or specific endorsements are needed.
Is this program available for new landscaping businesses?
Yes. We consider both new ventures and established companies. Each submission is evaluated on operations, experience, equipment and exposures.
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 Insured endorsements, Waiver of Subrogation, per-project aggregates and excess liability.
Can I write both residential and commercial landscaping risks?
Yes. The program accepts both residential and commercial landscaping accounts provided they meet underwriting guidelines for operations and exposures.
What carriers do you work with for this program?
We place business with various reputable non-admitted carriers to provide flexibility in limits and policy wording tailored to your client’s needs.
Need help placing an account? Connect with a market specialist.