Keating can handle commercial and residential landscaping accounts. Our Landscaping Workers' Compensation Insurance program is designed for lawn care, gardening and landscaping contractors who need admitted workers' compensation solutions and underwriting flexibility.
Overview of the Program from Keating
This program is written by admitted carriers and is intended to provide straightforward workers' compensation coverage for landscaping operations. Keating underwrites accounts that perform routine lawn care, landscape construction, gardening, tree trimming and seasonal snow plowing. The program emphasizes clear payroll classification handling, competitive pricing for qualifying risks, and responsive underwriting for seasonal and variable payroll exposures.
Ideal Accounts and Appetite
- Small to mid-sized lawn care companies and independent landscaping contractors
- Landscape construction and renovation firms performing hardscape and softscape work
- Gardening services, including irrigation maintenance and routine yard care
- Tree trimming and pruning crews with trained climbers and ground personnel
- Contractors offering snow plowing as a seasonal operation
We prefer accounts with predictable payroll reporting, documented safety programs, and a manageable percentage of subcontractor usage. High-risk operations such as large-scale tree removal requiring aerial lifts, demolition, or accounts with multiple uninsured subcontractor layers may require additional underwriting review and are less likely to fit this program.
Coverage Highlights and Advantages
- Admitted workers' compensation coverage through participating carriers
- Broad class code appetite for landscaping-specific exposures (lawn care, tree trimming, landscape construction, snow plowing)
- Support for seasonal payroll and temporary employee schedules
- Options for tailored loss control recommendations and safety program consultation to help reduce frequency and severity
- Competitive minimum premium threshold to match small businesses while accommodating mid-sized contractors
Underwriting Notes and Minimum Premiums
Keating evaluates accounts based on payroll size, class mix, claims history, and safety controls. Minimum premium for this program is $2,000. Standard underwriting items include a current payroll breakdown by classification, a five-year loss run history, description of operations (including any tree work or heavy equipment use), and details on subcontractor relationships. Accounts with primary commercial auto exposures should be submitted with driver lists and MVRs when available.
Territories and Availability
This program is available in all admitted territories listed below. Keating places landscaping workers' compensation in multiple states via participating carriers:
Available in: AK, AL, AR, AZ, CA, CO, CT, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY and DC.
Why Work With Keating on Landscaping Workers' Compensation
As an admitted program offering, Keating provides agents the advantage of placing coverage that meets state regulatory expectations while giving access to several participating carriers. Our underwriters understand landscaping operations and can work with you to place accounts that need admitted solutions, reasonable minimum premiums, and practical loss control guidance. We aim for quick turnaround on submissions and clear communication through binding.
Example accounts that typically fit
- A three-person lawn care company with seasonal crews and modest annual payroll, seeking admitted workers' compensation and basic loss control guidance.
- A landscape construction firm performing hardscape installation and routine maintenance, with a documented safety program and clean loss history.
Contact Keating through your CompleteMarkets portal for submission instructions and current carrier appetite updates. Provide payroll by class, five years of loss runs, and a brief operations description to obtain a timely review.
Frequently Asked Questions
What types of landscaping accounts are a good fit for Keating's program?
Accounts that fit include lawn care, gardening, landscape construction, routine tree trimming (not large hazardous removals), and seasonal snow plowing. We prefer insureds with documented safety programs and manageable subcontractor use.
What submission materials does underwriting typically require?
Provide a current payroll breakdown by class code, five years of loss runs, a description of operations, and details on subcontractors. Commercial auto exposures should include driver information and MVRs when available.
Is the program admitted and which states are eligible?
This is an admitted program available in the states listed on the program page (AK, AL, AR, AZ, CA, CO, CT, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY and DC). Check the portal for state-specific carrier participation.
What is the minimum premium and how are seasonal payrolls handled?
The program minimum premium is $2,000. Underwriting can accommodate seasonal payrolls—submit estimated annual payroll and indicate months of peak staffing so we can underwrite and audit appropriately.
Need help placing an account? Connect with a market specialist.