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...liability from misapplication of chemicals, such as spraying the wrong field, using incorrect chemicals or mixes, and improper delivery met...

...a client manufactures industrial chemicals, paints and coatings, oilfield products, solvents, or water treatment chemicals, this program provides broad, pollu..., re-packagers, and distributors of chemicals, paints, solvents, coatings, rem...

Landscaping contractors face a wide range of liability exposures on the job — from property damage to third-party bodily injury. Whether working on residential lawns or commercial grounds, accidents can lead to costly claims and contract disputes. With Novatae Risk Group’s General Liability Insurance for Landscape Contractors, agents can place landscaping accounts through a reliable, competitively priced program backed by A-rated carriers and underwritten by Empire Underwriters. This program is tailored to the unique risks of landscaping operations and is ideal for small to mid-sized contractors. It is available in most states and offers admitted and non-admitted options. The program’s minimum premium begins at $1,500. To discuss a landscaping liability account, call our brokers at 800-758-8113. Program Overview Novatae Risk Group offers a dedicated General Liability program designed for landscape contractors with less than $1 million in annual payroll. The program combines focused underwriting, carrier capacity, and contract-friendly endorsements to help your clients manage the routine third-party liability exposures that come from daily operations. Target Risks and Eligible Operations This program has a strong appetite for a broad range of landscaping businesses, including: Residential and commercial lawncare services Residential and commercial landscaping Landscape architects Nurserymen and gardeners Sprinkler and irrigation installation Sodding, seeding, and turf services Example accounts that typically fit: a small commercial landscaper who performs grounds maintenance for retail centers, or a residential sprinkler installer with several service crews and routine subcontractor use. Coverage Highlights and Advantages Blanket Additional Insured endorsements to meet common contract requirements Waiver of Subrogation available where required by contract Primary and Non-Contributory wording for upstream contract obligations Per-project aggregate limits to support larger or phased jobs Limited coverage options for subsidence and prior projects where appropriate These features are built to address the contractual and site-exposure needs agents encounter when placing commercial and municipal landscaping work. Submission Requirements Completed ACORD applications 3–5 years of currently valued loss runs Program-specific supplemental application Pollution application if the account involves fertilizer, pesticide application, or specialty irrigation work Underwriting Notes and Minimum Premium The program targets businesses with annual payrolls under $1 million. Appetite is strongest for routine landscaping and installation work; accounts involving significant heavy civil work, extensive excavation, large-scale structural irrigation or marked professional design/build services may require referral. Minimum premium starts at $1,500. Program Details 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. Novatae can offer both admitted and non-admitted placements, using carriers rated as high as A-XV. Why Work With Novatae Risk Group As a wholesale broker, Novatae Risk Group focuses on specialized markets and fast, reasoned underwriting. Our partnership with Empire Underwriters provides access to industry-specific general liability capacity and contract language that helps agents meet client obligations while controlling uncovered exposures. Ready to quote a landscaping contractor? Email submissions to [email protected] or call 800-758-8113 to speak with an underwriter today. Frequently Asked Questions What types of accounts are a good fit for this landscaping liability program?This program is best suited for small to mid-sized landscape contractors with under $1 million in annual payroll, including lawncare providers, sprinkler installers, and landscape architects. Is this program available on an admitted or non-admitted basis?Both admitted and non-admitted options are available, depending on state regulations and the account’s risk profile. Carriers used in the program are rated A or higher. What is the minimum premium for this program?The program’s minimum premium starts at $1,500, designed to be accessible for smaller contractors and start-ups. What documents are needed to submit a new account?Provide completed ACORD applications, 3–5 years of loss runs, the program supplemental application, and a pollution application if the work involves chemical treatments or irrigation system installation. Which states is this program available in?The program is available in most states listed on the product page, including CA, FL, TX, GA, and NC. Contact us to confirm availability in a specific state. Need help placing an account? Connect with a market specialist.

...distribution — organic/inorganic chemicals, industrial gases, ethanol producti...

... harmed from pollution caused by chemicals sprayed. Coverage Also Available: ...

...refined products, and industrial chemicals Tank manufacturers (welded stai...

Argo Insurance (a member of Argo Group) offers a specialized Landscaping and Arborist Insurance Program through its Commercial Programs unit. Designed for independent agents and brokers, this program provides tailored coverage options backed by experienced underwriting and a strong carrier partner. Ideal Accounts and Appetite Landscaping contractors, tree service providers, lawn care businesses, and arborists. Accounts that may include exposure to commercial auto, equipment transport, and property damage. Both established operations and growing businesses looking for comprehensive coverage with flexible options. Coverage Highlights and Advantages Broad coverage including Property, Crime, Inland Marine, Commercial Auto, and Excess Risks—packaged competitively for your clients. Carrier: Argonaut Insurance Company, rated A XII by A.M. Best, providing strength and stability to your placements. Optional coverages such as Errors & Omissions (E&O), Employment Practices Liability Insurance (EPLI), Workmanship, and Pollution Liability endorsements available to customize protection. Experienced underwriting team focused specifically on landscaping and arborist exposures, leading to efficient quoting and policy issuance. Dedicated support from a knowledgeable staff committed to responsive service for producers. Underwriting Notes and Minimum Premiums The minimum premium for this program starts at $500, making it accessible for small to mid-size operations. Submissions are reviewed by underwriters with deep knowledge of the landscaping and tree care sector, allowing for thoughtful risk evaluation and customized solutions. Territories and Availability Coverage is available in Arizona, California, Colorado, Nevada, and Utah. Admitted status is available in some states—please contact Argo Insurance for specific state eligibility. Why Work With Argo Insurance Argo Insurance combines strong carrier backing with specialized program underwriting, offering a streamlined solution for producers placing landscaping and arborist accounts. You’ll benefit from responsive service, flexible coverage options, and deep industry expertise—all supported by a financially stable carrier partner. Whether your client is a landscaper with a small fleet or an arborist managing tree removal contracts, Argo can help you deliver the protection they need with confidence. For more information, contact: Business Development Phone: 877 590 0775 [email protected] Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for landscaping contractors, arborists, lawn care providers, and tree service professionals—especially those with equipment, vehicles, or environmental exposures. Is coverage available on an admitted basis?Yes, admitted coverage is available in some states. Contact Argo Insurance to confirm availability based on your client’s location. What optional coverages can be added?Optional endorsements include Errors & Omissions (E&O), Employment Practices Liability (EPLI), Workmanship, and limited Pollution Liability, allowing you to tailor the coverage to your client’s needs. What is the minimum premium for this program?The minimum premium starts at $500, making it accessible for small and mid-sized landscaping and arborist operations. Which states is this program available in?This program is currently available in Arizona, California, Colorado, Nevada, and Utah. Need help placing an account? Connect with a market specialist.

...ctrical products Plastics, chemicals, and component suppliers Fire...supplements, recreational products, chemicals, and other niche or high-liabili...

Site Pollution Insurance, also called Environmental Impairment Liability (EIL), protects your clients from the financial and legal fallout of pollution incidents at, under, or emanating from their owned or leased properties. As regulatory scrutiny and awareness of environmental hazards increase, businesses can face substantial cleanup costs, third-party claims, business interruption, and reputational harm without the right coverage in place. Citadel Insurance Services places Site Pollution Insurance through a broad panel of markets, including Markel, Starr, AIG, Arch, and ACE. The program supports both admitted and non-admitted placements and is available nationwide across all 50 states and Washington, DC. Citadel’s wholesale underwriting relationships allow you to shop complex or overlooked pollution exposures efficiently. Ideal Accounts and Appetite This program is tailored for agents and brokers handling clients with site-based environmental risk that often goes unrecognized. Typical classes that fit well include: Chemical manufacturers and distributors Property owners, landlords, and real estate investors (including industrial parks) Medical clinics, laboratories, and testing facilities Recycling centers and waste management operations Petroleum product manufacturers and distributors Refineries and related industrial operations Examples: you might have a landlord of a small industrial complex with tenants who handle solvents, or a regional medical testing lab concerned about potential indoor air quality or legionella exposures—both are good fits for this program. Coverage Highlights and Advantages Site Pollution Insurance from Citadel is structured to address a range of on- and off-site environmental exposures. Common coverages include: Onsite and offsite cleanup and remediation costs Third-party bodily injury and property damage arising from pollution incidents Business interruption and loss of income tied to pollution events Coverage for emerging contaminants and indoor air quality issues such as mold and legionella (subject to underwriting) These coverages help clients manage costly surprises and demonstrate prudent risk transfer as environmental expectations evolve. Underwriting Notes and Minimum Premiums Minimum premiums in this program start at $2,500. Submissions should include thorough property and operations information: any known environmental history or prior releases, tenant profiles (if applicable), storage and handling of regulated materials, and current loss-control or mitigation practices. Citadel’s underwriting team can guide you on documentation, pollution-legal-liability (PLL) site assessments, and where admitted vs. surplus placement is most appropriate. Territories and Availability This program is available in all 50 states and Washington, DC. Citadel can place accounts on an admitted basis where available and advantageous, or on a non-admitted/surplus lines basis when the risk or coverage needs require it. Why Work With Citadel Insurance Services? As a wholesale broker focused on environmental and niche commercial lines, Citadel offers deep appetite knowledge, direct access to top carriers, and experienced underwriting support. Working through Citadel helps you: Access multiple markets quickly to improve placement options Receive practical underwriting guidance on complex or legacy exposures Place admitted or non-admitted coverage to match client and state requirements Obtain specialized terms for emerging contaminant exposures where appropriate Whether you’re placing a commercial landlord, an industrial operator, or a healthcare facility, Citadel can help you secure tailored pollution liability protection for your clients. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include chemical manufacturers, property owners, medical facilities, recycling centers, petroleum distributors, and other businesses with potential site-based environmental exposures. Is coverage available in all states?Yes. Citadel places Site Pollution Insurance in all 50 states and Washington, DC, using admitted or surplus markets as appropriate for the risk and jurisdiction. What is the minimum premium for this coverage?Minimum premiums typically start at $2,500, though final pricing depends on the nature, size, and loss history of the account. What types of pollutants are covered?Policies can address a wide range of contaminants—including volatile organic compounds, mold, legionella, and other indoor/outdoor pollutants—subject to underwriting and policy terms. Can this coverage be written on an admitted or non-admitted basis?Yes. Citadel has access to both admitted and non-admitted markets, providing flexibility to place coverage that meets client needs and state requirements. Need help placing an account? Connect with a market specialist.