Landscaping contractors face a wide range of liability exposures on the job — from property damage to third-party bodily injury. Whether working on residential lawns or commercial grounds, accidents can lead to costly claims and contract disputes. With Novatae Risk Group’s General Liability Insurance for Landscape Contractors, agents can place landscaping accounts through a reliable, competitively priced program backed by A-rated carriers and underwritten by Empire Underwriters.
This program is tailored to the unique risks of landscaping operations and is ideal for small to mid-sized contractors. It is available in most states and offers admitted and non-admitted options. The program’s minimum premium begins at $1,500.
To discuss a landscaping liability account, call our brokers at 800-758-8113.
Program Overview
Novatae Risk Group offers a dedicated General Liability program designed for landscape contractors with less than $1 million in annual payroll. The program combines focused underwriting, carrier capacity, and contract-friendly endorsements to help your clients manage the routine third-party liability exposures that come from daily operations.
Target Risks and Eligible Operations
This program has a strong appetite for a broad range of landscaping businesses, including:
- Residential and commercial lawncare services
- Residential and commercial landscaping
- Landscape architects
- Nurserymen and gardeners
- Sprinkler and irrigation installation
- Sodding, seeding, and turf services
Example accounts that typically fit: a small commercial landscaper who performs grounds maintenance for retail centers, or a residential sprinkler installer with several service crews and routine subcontractor use.
Coverage Highlights and Advantages
- Blanket Additional Insured endorsements to meet common contract requirements
- Waiver of Subrogation available where required by contract
- Primary and Non-Contributory wording for upstream contract obligations
- Per-project aggregate limits to support larger or phased jobs
- Limited coverage options for subsidence and prior projects where appropriate
These features are built to address the contractual and site-exposure needs agents encounter when placing commercial and municipal landscaping work.
Submission Requirements
- Completed ACORD applications
- 3–5 years of currently valued loss runs
- Program-specific supplemental application
- Pollution application if the account involves fertilizer, pesticide application, or specialty irrigation work
Underwriting Notes and Minimum Premium
The program targets businesses with annual payrolls under $1 million. Appetite is strongest for routine landscaping and installation work; accounts involving significant heavy civil work, extensive excavation, large-scale structural irrigation or marked professional design/build services may require referral. Minimum premium starts at $1,500.
Program Details and Availability
This program is available in the following states: AL, AK, AZ, AR, CA, CO, CT, FL, GA, IL, KY, LA, MS, MO, NV, NJ, NM, NC, PA, SC, TN, TX, UT, VA, and WV. Novatae can offer both admitted and non-admitted placements, using carriers rated as high as A-XV.
Why Work With Novatae Risk Group
As a wholesale broker, Novatae Risk Group focuses on specialized markets and fast, reasoned underwriting. Our partnership with Empire Underwriters provides access to industry-specific general liability capacity and contract language that helps agents meet client obligations while controlling uncovered exposures.
Ready to quote a landscaping contractor?
Email submissions to [email protected] or call 800-758-8113 to speak with an underwriter today.
Frequently Asked Questions
What types of accounts are a good fit for this landscaping liability program?
This program is best suited for small to mid-sized landscape contractors with under $1 million in annual payroll, including lawncare providers, sprinkler installers, and landscape architects.
Is this program available on an admitted or non-admitted basis?
Both admitted and non-admitted options are available, depending on state regulations and the account’s risk profile. Carriers used in the program are rated A or higher.
What is the minimum premium for this program?
The program’s minimum premium starts at $1,500, designed to be accessible for smaller contractors and start-ups.
What documents are needed to submit a new account?
Provide completed ACORD applications, 3–5 years of loss runs, the program supplemental application, and a pollution application if the work involves chemical treatments or irrigation system installation.
Which states is this program available in?
The program is available in most states listed on the product page, including CA, FL, TX, GA, and NC. Contact us to confirm availability in a specific state.
Need help placing an account? Connect with a market specialist.