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...s rented Business Owner’s Policy (BOP): $100,000 for damage to premises rent...ty. Can I access other professional liability markets through First Choice?Yes...

Landscaping contractors face daily risks—from equipment-related injuries to jobsite accidents—that can lead to costly workers compensation claims. Novatae Risk Group offers a dedicated Workers Compensation Insurance program designed specifically for landscape contractors, helping agents secure reliable coverage for clients in this high-risk industry. Through a partnership with Empire Underwriters and an “A” rated carrier, Novatae provides access to a competitive workers compensation solution with streamlined underwriting and fast turnaround times. This program is ideal for agents looking to place hard-to-insure landscaping risks with a responsive and experienced partner. Ideal Accounts and Appetite This program is tailored for landscape contractors of all sizes, including companies involved in lawn care, tree trimming, irrigation system installation, and landscape design and maintenance. Accounts with a solid safety record and detailed loss histories are especially desirable. You might have a client operating a multi-crew landscaping business across several residential and commercial properties—that’s the kind of account this program is built for. Startups and small contractors may also qualify, as long as they meet underwriting requirements. Program Highlights Available through an “A” rated carrier Coverage in over 20 states 10% commission Fast quote turnaround with complete submissions Underwriting Requirements and Minimum Premium Minimum premium of $7,500 Required submission documents: Acord 130 3 Years of Loss Runs Supplemental Questionnaire Details on any large losses Territories and Market Access Coverage is available in more than 25 states, including 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. Novatae Risk Group writes through all available admitted and non-admitted markets, offering flexibility for a variety of risk profiles. Why Work With Novatae Risk Group? Novatae Risk Group is a trusted Managing General Underwriter and Excess & Surplus Lines Broker with access to a broad network of carriers. Their partnership with Empire Underwriters and deep understanding of specialty trades like landscaping make them a smart choice for agents and brokers who need fast, reliable workers compensation solutions in a challenging market. Do you need a Workers Compensation Insurance Quote for your Landscape Contractor client? 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 workers compensation program?This program is ideal for landscape contractors, including lawn care services, tree trimming, irrigation installation, and general landscape maintenance companies. What states is this program available in?The program is available in over 25 states, including major markets like CA, FL, TX, NY, and IL. Contact the underwriter for specific state eligibility. What documents are required to submit an application?You’ll need to submit a completed Acord 130, three years of loss runs, a supplemental questionnaire, and details on any large losses. Is there a minimum premium for this program?Yes, the minimum premium for eligible accounts starts at $7,500. How quickly can I get a quote?Quotes are typically turned around quickly once all required documents are submitted. Fast service is one of the program’s key advantages. Need help placing an account? Connect with a market specialist.

... to $3M Business Owners Policy (BOP): Revenue up to $3M and up to 35,000 s...to accounts with up to $3M in payroll. BOP eligibility is usually limited to b...

... through a Business Owner’s Policy (BOP). Ideal Accounts and Appetite Colonia...ied Healthcare program?Professional Liability and General Liability (on occurrence or claims-made fo...

...ry, art, collections) Personal umbrella liability coverage You can write b...or monoline policies in home, auto, umbrella, and more—ideal for clients who d...

...heft Glass and Fire Coverage Umbrella and Excess Liability Underwriting Notes and Minimum .... We can quote monoline property or liability coverage or combine coverages in...

...clients: Business Owners Policy (BOP) Workers' Compensation Commercial Automobile Commercial Umbrella Underwriting Notes and Minimum Pre...ments that serve alcohol. Is liquor liability coverage included?Yes, liquor liability is required and available for re...

...ghts and Advantages Primary liability limits up to $1,000,000 CSL (select...le coverage limits?We offer primary liability limits up to $1,000,000 CSL (wit...

...es in this niche: General Liability for third-party BI/PD exposures ...or interruption recovery Liquor Liability where liquor sales are present ...