Even the most experienced lawn care professionals know that accidents happen—often unexpectedly and without fault. Damage to a client’s property, bodily injury, or other liabilities can occur in the normal course of business. That’s why General Liability Insurance is essential for your clients in the lawn care industry. Novatae Risk Group offers a specialized General Liability Insurance program tailored specifically for lawn care contractors. This coverage helps protect their operations and financial stability when unforeseen incidents occur.
Through our partnership with an “A”-rated carrier, we’ve developed a comprehensive solution designed to meet the unique risks faced by small to medium-sized commercial and residential lawn care operations. This program is available to appointed brokers and agents across a wide geographic footprint and is backed by expert underwriting and responsive service.
Ideal Accounts and Appetite
This program targets small to mid-size lawn care contractors with an annual payroll under $1,000,000. Eligible operations include:
- Commercial Lawn Care Services
- Residential Lawn Care Services
We can consider accounts involved in both new construction and remodeling projects for residential and commercial properties, including single-family homes. However, risks involving new construction of condominiums, townhouses, or projects over three stories are generally ineligible, with some exceptions.
Coverage Highlights and Advantages
- Blanket Additional Insured
- Waiver of Subrogation
- Primary and Non-Contributory wording
- Per Project Aggregate limits
- Subsidence coverage (with limitations)
- Prior Projects coverage (with limitations)
These coverage features help your clients meet contractual requirements and protect them from costly claims that could otherwise disrupt or even close their business.
Underwriting Requirements and Minimum Premium
- Completed ACORD Applications
- 3 to 5 years of currently valued loss runs
- Supplemental Application
- Pollution - Project Specific Application (if applicable)
The minimum premium for this program starts at $1,500, making it accessible for smaller operations while still offering robust protection.
Territories 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. We offer both admitted and non-admitted options, backed by carriers rated as high as A-XV.
Why Work With Novatae Risk Group
As a wholesale broker with deep expertise in contractor risks, Novatae Risk Group delivers market access, underwriting insight, and fast turnaround on submissions. Whether your client is a solo operator servicing residential lawns or a growing team managing commercial landscape contracts, we can help you find the right general liability solution to meet their needs.
Do you need a General Liability Insurance quote for your Lawn Care Contractor Account?
Send an email to [email protected] with your coverage needs or call 800-758-8113 to speak to an underwriter immediately.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for small to mid-size lawn care contractors with annual payrolls under $1,000,000, including both residential and commercial service providers.
What classes of business are excluded from this program?
Accounts involving new construction of condominiums, condo conversions, townhouses, or buildings over three stories are generally ineligible, though exceptions may apply.
Which states is this program available in?
The program is available in over 25 states, including CA, FL, TX, GA, NC, and others across the South, West, and Midwest regions.
What is the minimum premium for this program?
The minimum premium starts at $1,500, making it a suitable option for smaller lawn care businesses.
What submission documents are required?
Required documents include ACORD applications, 3 to 5 years of currently valued loss runs, a supplemental application, and a pollution-specific application if applicable.
Need help placing an account? Connect with a market specialist.