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...ormation flyer here. Commercial Chemical Applicators GL Insurance Program I...rs liability from misapplication of chemicals, such as spraying the wrong field, using incorrect chemicals or mixes, and improper delivery ...

...sks associated with pool upkeep, chemical application, and daily operations. ...vironments. Does this program cover chemical application risks?Yes, Chemical Applicator Coverage is included a...

GroundCover™ from Brownyard Group is a new insurance program designed just for Landscape Contractors, including Landscape Gardeners and Lawn Care Service Providers. Based on our extensive experience insuring landscapers as an exposure within our market-leading PCOpro pest control program, we created GroundCover to serve the specialized liability and property insurance needs of landscape professionals. Program Features: Commercial General Liability Commercial Property & Inland Marine Coverage Written through Western World Insurance Group, rated "A+" by A.M. Best Available on a non-admitted basis in all states* Expert claims handling *Admitted in NH Coverage Highlights: Care, Custody & Control Coverage Professional Liability Coverage Pesticide or Herbicide Applicator Coverage Incidental exposure coverage for Pest Control, Carpentry, Fence Contractors, Masonry, Tree Pruning, etc. Blanket Additional Coverage Lost Key Coverage Minimum premiums: $750 for limits of $300,000/$600,000 $1,000 for limits of $500,000/$1 million $1,250 for limits of $1 million/$2 million Landscape Professionals Insurance: http://www.brownyard.com/pages/groundcover.shtml

... Umbrella programs for Refinery, Chemical Plant & Power Generation Facilit...d machining services at refineries, chemical plants and power generation facil...

...ble for contractors transporting chemicals or performing applicator services — disclose chemical use and transport details at submiss... that apply pesticides or transport chemicals also fit due to included applica...

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.

McGowan Excess & Casualty Trade Contractors Umbrella Insurance Overview of the Program From The McGowan Companies The McGowan Companies offers a focused Trade Contractors Umbrella Insurance program through McGowan Excess & Casualty, designed for agents and brokers seeking excess liability capacity for trade and artisan contractor clients. Whether your insureds perform commercial construction, municipal subcontracting, or specialty residential work, this program delivers the additional layer of liability protection needed to meet contractual obligations and to protect against catastrophic loss. As a Managing General Underwriter with broad market access, McGowan combines underwriting expertise and flexible placement options to address the varied exposures of trade contractors. The program is available in most states and is commonly placed on a non-admitted basis where appropriate. Ideal Accounts and Appetite This program targets a wide range of trade contractors working in residential, commercial, and light industrial construction. Eligible classes include: Electricians Plumbers Paving and grading contractors Cable installation HVAC contractors Drywall and flooring installation Landscaping and painting Septic tank installation Solar panel installation Sewer and water main contractors Swimming pool contractors Tile, plastering, and masonry Concrete, carpentry, roofing, and siding If you have a client installing commercial solar arrays who needs higher limits for contract compliance, or a subcontractor working on a municipal sewer project requiring layered excess capacity, this program is built to provide the necessary umbrella limits and flexible layering. Coverage Highlights and Advantages Commercial Umbrella Liability – Provides an additional layer of liability protection above qualifying underlying policies. Follow Form Excess Liability – Can follow form over eligible lead umbrellas for streamlined terms and consistency. Limits – Umbrella limits begin at $1MM with capacity up to $100MM. Excess layers can be placed from $1MM to $100MM over existing lead umbrellas. Terms are structured to accommodate high-exposure projects and strict contractual insurance requirements while remaining competitive for the trade segment. Underwriting Notes and Minimum Requirements Underwriters typically require underlying carriers to be rated A- / VII or better; limited exceptions may be considered for Employers Liability (EL) carriers. McGowan’s team evaluates each submission on its individual merits and is known for practical, creative approaches to structuring layered excess programs. Response times are generally quick when submissions are complete and clearly documented. Territories and Availability This program is available in most states across the U.S., including but not limited to: CA, FL, NY, TX, IL, GA, and PA. Coverage availability and admitted versus non-admitted options may vary by jurisdiction and carrier selection. Why Work With The McGowan Companies? The McGowan Companies bring decades of casualty and umbrella underwriting experience, strong market relationships, and access to both admitted and non-admitted capacity. Agents and brokers benefit from McGowan’s underwriting sophistication, speed to market, and willingness to tailor layered solutions that help clients meet contract and project requirements. Contact McGowan to discuss specific submissions and to determine how their Trade Contractors Umbrella Insurance program can help you place larger-limit excess liability for your contractor accounts. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for trade contractors such as electricians, HVAC technicians, roofers, masons, and other artisan trades working in residential, commercial, or municipal construction environments. What coverage limits are available?Umbrella limits start at $1MM and can go up to $100MM. Excess layers can also be written from $1MM to $100MM over qualifying lead umbrellas. Is admitted paper available?The program is available in most states, primarily on a non-admitted basis. Availability may vary by carrier and state regulations. Are there any underwriting requirements for the underlying carriers?Yes, underlying carriers generally need to be rated A- / VII or better. McGowan may consider exceptions for certain Employers Liability carriers on a case-by-case basis. How quickly can submissions be reviewed?McGowan is known for responsive underwriting. Turnaround depends on the completeness of the submission and the complexity of the risk, so include clear loss runs, contracts, and lead umbrella policy details for the fastest review. Need help placing an account? Connect with a market specialist.

...A single slip-and-fall incident, chemical mishap, or accidental damage to high...