Tree Trimmer Liability Solutions from Agents Insurance Markets, Inc.
Agents Insurance Markets, Inc. (AIM) leverages more than three decades of contractor market experience to help retail agents place quality General Liability and related coverages for tree service and landscaping clients. This non-admitted program is built to serve a wide range of operations—from solo tree trimmers to crews working on residential yards, commercial sites, or municipal contracts. AIM combines flexible underwriting with access to multiple carriers so you can place accounts that need specialized contractor wording or higher limits.
Ideal Accounts and Target Classes
This program targets contractors operating in North Carolina, Virginia, and Washington, DC. It is a strong fit for agents with clients in these classes:
- Tree Trimmers and Arborists
- Landscape Gardeners and Lawn Care Contractors
- Stump Grinding and Removal Services
- Residential tree and landscape work
- Commercial or municipal tree and landscape operations
Examples of accounts that typically fit: a solo tree trimmer who does homeowner removals and pruning, or a mid-size landscaping firm that performs commercial grounds maintenance and occasional tree removal under contract.
Coverage Highlights and Advantages
AIM places non-admitted solutions through select carriers to offer broader form language and flexible limits. Key program features include:
- Comprehensive General Liability with available limits up to $5,000,000
- Property coverage enhancements and Property Floaters for tools & equipment
- Additional Insured endorsements, Waiver of Subrogation, and Primary & Non-Contributory wording available
- Per-project aggregate options for contract work
- Damage to Premises Rented to You up to $100,000; Medical Payments up to $5,000
- Occurrence-form coverage and Excess Liability available for higher-limit needs
- Competitive low minimum premiums for qualifying risks
Underwriting Notes
This program is underwritten through various non-admitted carriers. AIM looks for clear descriptions of operations, evidence of routine equipment maintenance, and documented safety practices. Accounts with frequent high-risk exposures (extensive tree removal from high elevations without proper rigging, unlicensed utility line work, or operations lacking competent supervision) may require additional underwriting review or be outside the appetite.
AIM can consider both new ventures and established businesses provided the application includes scope of work, payroll or revenue breakdown, and loss history (if any). Excess Liability capacity is available when higher limits are needed.
Available States
This Tree Trimmers Liability program is available in:
- North Carolina (NC)
- Virginia (VA)
- Washington, DC
Why Work With Agents Insurance Markets, Inc.?
As a Managing General Agency focused on contractor lines, AIM offers specialized underwriting expertise and responsive service to help you place challenging tree trimming and landscaping accounts. Their team understands contractor exposures, provides tailored endorsements commonly required by commercial clients, and can quickly provide indications or referrals to excess capacity when needed. Working with AIM gives you access to multiple markets and flexible, non-admitted solutions for risks that don’t fit standard admitted forms.
Frequently Asked Questions
What types of accounts are a good fit for this program?
Tree trimming, landscaping, stump grinding, and related residential or commercial services in NC, VA, or DC are ideal fits for this program.
Is this program available for new ventures?
Yes. AIM will consider new businesses provided they supply clear operational details, safety procedures, and evidence of equipment maintenance.
Can I get coverage for my client's tools and equipment?
Yes. Property Floaters are available to cover tools and equipment used in daily operations.
What is the maximum General Liability limit available?
General Liability limits are available up to $5,000,000; Excess Liability options are available for higher limits.
Is this program admitted?
No. This is a non-admitted program underwritten through various carriers to provide broader form language and greater flexibility.
Need help placing an account? Connect with a market specialist.