Lawn care professionals work in dynamic outdoor environments that bring a distinct set of occupational hazards. From equipment-related injuries to insect bites, heat exposure, and contact with harmful plants, even well-trained crews face regular risk. For agents placing lawn care and landscaping accounts, an appropriate Workers Compensation program is essential to protect both employees and business continuity.
Novatae Risk Group, in partnership with Empire Underwriters, provides a tailored Workers Compensation Insurance program built for the lawn care industry. Backed by an "A"-rated carrier network, this program delivers competitive coverage options, efficient turnaround on quotes, and experienced underwriting for risks ranging from small residential crews to larger commercial maintenance operations.
Ideal Accounts and Appetite
This program is designed for producers placing:
- Lawn care and landscaping services
- Grounds and commercial property maintenance contractors
- Seasonal crews and year-round operations
Typical fits include businesses with structured safety programs, routine equipment maintenance, and a manageable loss history. Accounts with significant claims frequency, large payrolls tied to high-risk operations (e.g., tree removal with elevated exposures), or poor safety controls may not be a fit—contact underwriting for borderline risks.
Example scenarios you can place through this program:
- A five-person residential lawn maintenance company with steady seasonal work and clean three-year loss runs.
- A midsize commercial grounds contractor that provides weekly maintenance for office parks and has established PPE and equipment inspection protocols.
Coverage Highlights and Advantages
- Access to both admitted and non-admitted markets depending on state and risk profile
- Underwriting backed by "A"-rated carriers
- 10% commission to agents
- Program available across more than 20 states
- Fast quote turnaround when you submit a complete application package
Underwriting Notes and Minimum Premiums
- $7,500 minimum premium
- Required submission documents (complete submissions get fastest review):
- ACORD 130
- Three years of loss runs
- Completed supplemental questionnaire
- Details and explanation for any large losses
Territories and Availability
This Workers Compensation program is available in the following states: AL, AK, AZ, AR, CA, CO, CT, FL, GA, IL, KY, LA, MS, MO, NV, NJ, NM, NY, NC, PA, SC, TN, TX, UT, VA, and WV. Availability by territory may depend on admitted vs. non-admitted placement and specific underwriting criteria.
Why Work With Novatae Risk Group?
As a Managing General Underwriter and Excess & Surplus Lines Broker, Novatae Risk Group gives agents streamlined access to competitive markets and targeted underwriting for lawn care exposures. Working with Empire Underwriters, we emphasize an efficient submission process and timely, accurate quotes so you can place business without unnecessary delay. Whether you’re placing a straightforward account or a tougher risk that needs E&S capacity, our team can help navigate options.
Need a Workers Compensation quote for a lawn care client?
Send an email to [email protected] with the submission package or call 800-758-8113 to speak to an underwriter immediately.
Frequently Asked Questions
What types of accounts are a good fit for this Workers Compensation program?
This program is best for lawn care companies, landscaping businesses, and grounds maintenance contractors that have documented safety practices and a manageable claims history.
What documentation is required to submit an application?
Provide a completed ACORD 130, three years of loss runs, the supplemental questionnaire, and details on any large losses to ensure a timely review.
In which states is this program available?
Coverage is available in over 20 states including CA, FL, TX, NY, and GA. Reach out to underwriting for confirmation on a specific state or territory.
How quickly can I get a quote?
With a complete submission, the program offers fast turnaround times. Missing items can delay review, so include all required documents up front.
Is this program available through admitted or non-admitted markets?
We can place accounts in both admitted and non-admitted markets depending on the state and the risk profile.
Need help placing an account? Connect with a market specialist.