Lawn Care Services, Tree Trimming, and Related Services Insurance
Insurance Program Managers Group (IPMG) offers a specialized program for agents and brokers placing business for lawn care, landscaping, and tree service operations. The program provides access to A-rated markets that understand the unique liability, pollution, and equipment exposure these contractors face—whether they provide seasonal lawn maintenance, install and service sprinkler systems, perform tree trimming or removal, or operate nursery facilities.
This program is designed for brokers seeking flexible, industry-focused solutions. IPMG underwriters evaluate operations by scope of work and safety controls, so both small residential lawn crews and mid-sized commercial landscaping contractors can find appropriate placements when their exposures fit the appetite.
Target Classes and Ideal Accounts
- Lawn care and landscaping contractors (residential and commercial)
- Sprinkler system installation, maintenance, and irrigation specialists
- Tree trimming, pruning, and removal services
- Nursery and greenhouse plant care operations
- Companies that apply herbicides, pesticides, or fertilizers as part of services
If you have a client who runs a small team trimming trees and maintaining residential lawns, or a mid-sized landscape contractor that provides grounds maintenance and irrigation services, this program is a practical option to explore.
Coverage Highlights
- Commercial General Liability – Third-party bodily injury and property damage protection tailored to outdoor service exposures.
- Contractors Pollution – Coverage for chemical applications and pollution liability tied to herbicide, pesticide, and fertilizer use.
- Inland Marine – Protection for contractor tools, equipment, and portable gear essential to operations.
- Excess Liability / Umbrella – Additional limits for higher-severity exposures and larger projects.
Coverage can also extend to plants, shrubs, and other vegetation while under the insured’s care, custody, and control, depending on the submission and selected options.
Underwriting Notes and Minimum Premiums
- Minimum premiums typically range from $500 to $750 per line of coverage.
- Program is placed with non-admitted carriers rated A or higher in the eligible states.
- Underwriters prefer clean safety records, defined scopes of work, trained staff, and documented pesticide/herbicide application procedures.
For faster quoting, include a completed application, current loss runs, and a clear description of operations (including whether subcontractors are used and any certificate controls).
Program Availability
This program is currently available in the following states:
- Florida (FL)
- Illinois (IL)
- Missouri (MO)
- Indiana (IN)
- Iowa (IA)
Note: The program is written on non-admitted paper in these states.
Why Work With IPMG
IPMG brings deep underwriting experience and established carrier relationships within the lawn care and landscaping niche. Their state-based contacts deliver responsive service and practical, risk-aware solutions. As a broker, you benefit from an underwriting team that understands equipment exposures, chemical application risks, and the operational differences between residential and commercial accounts.
Example fits:
- A residential lawn care firm with 3–6 employees that provides weekly mowing, fertilization, and occasional pesticide treatments.
- A mid-sized landscape contractor that handles commercial grounds maintenance, irrigation system service, and selective tree pruning—with documented safety programs and endorsed pollution controls.
Reach out to the appropriate contact for your state to discuss submissions and get quotes:
Matt Becker (IL, IN, IA)
(630) 485-5952
[email protected]
Barbara Commings (FL)
(855) 377-4764 Ext 5222
[email protected]
Leona Greeves (MO)
(314-293-9700) Ext 9705
[email protected]