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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.

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.

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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.

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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.

Pollution Legal Liability Program from Bonding and Insurance Specialists Agency, Inc. Bonding and Insurance Specialists Agency, Inc. (BISA) offers a focused Pollution Legal Liability (PLL) program that helps agents and brokers place environmental risk for commercial clients. Whether your client owns, operates, or manages industrial facilities, commercial real estate, or brownfield sites, BISA’s PLL provides flexible protection for cleanup costs, third-party claims, and business interruption arising from pollution incidents. Ideal Accounts and Target Industries This program fits a broad set of insureds where environmental exposures are a concern. BISA has a strong appetite for: Real estate owners, developers, and redevelopments (including brownfields) Manufacturing and industrial operations Food processing facilities Chemical manufacturers and distributors Bulk storage terminals and fuel distribution facilities Recycling operations, transfer stations, and scrap yards Utilities and power generation sites Waste treatment, storage, and disposal locations If you are placing a client acquiring an older industrial site or operating a facility with a history of hazardous material use, this program can address both legacy and future pollution exposures. Coverage Highlights and Advantages BISA’s PLL policy is modular so coverage can be tailored to the insured’s exposures. Key parts include: Pre-retroactive pollution events: Coverage for cleanup, bodily injury, and property damage from pollution that began before the policy’s retroactive date (subject to underwriting). Post-retroactive pollution events: Coverage for events that commence after the retroactive date. Business interruption: Loss of income and extra expense resulting from a covered pollution event. Non-owned locations: Protection for pollution conditions at sites the insured does not own but that are impacted by the insured’s operations. Additional advantages: Coverage for both sudden and gradual pollution releases On-site and off-site cleanup cost protection Multi-year policy terms available for long-running projects or acquisitions Limits available up to $25 million Customizable coverage structures to match transaction or operational needs Underwriting Notes and Market Position This is a non-admitted program underwritten through A.M. Best “A” rated carriers, giving BISA flexibility in form and terms. Underwriters review site-specific factors such as historical operations, existing environmental assessments, current operations, storage and handling practices, and remediation history when structuring terms. BISA works closely with agents to assess exposures and design appropriate limits, retroactive dates, and coverage parts. Typical Appetite and Common Restrictions BISA generally prefers accounts with documented environmental assessments and manageable historical issues. High-severity, actively uncontrolled contamination, long-term mass contamination without remediation plans, or sites subject to ongoing enforcement actions may face additional underwriting scrutiny or require risk mitigation before terms can be offered. Example Account Scenarios You might have a client purchasing a former manufacturing site with Phase I/II reports completed; BISA can structure a multi-year PLL to address identified historical soil and groundwater issues. You may represent a mid-sized food processor with on-site fuel storage and waste handling; the PLL can provide on- and off-site cleanup coverage and business interruption protection in the event of a release. Territories and Availability The PLL program is available through BISA in most U.S. states, including major markets such as CA, TX, NY, FL, IL, PA, OH, GA, and WA. BISA provides access in 49 states plus the District of Columbia; contact BISA for state-specific availability and any jurisdictional exceptions. Why Work With Bonding and Insurance Specialists Agency, Inc.? BISA combines focused environmental underwriting expertise with strong carrier relationships to deliver tailored PLL solutions. As a non-admitted program placed through A.M. Best “A” rated markets, BISA offers flexibility in policy form and structure, experienced risk evaluation, and responsive service to help you place complex environmental accounts more efficiently. Frequently Asked Questions What types of accounts are a good fit for this Pollution Legal Liability program? We target a wide range of industries including real estate developers, manufacturers, recycling facilities, and chemical storage terminals. Any client with environmental exposure at owned or non-owned locations may be a good fit. Can this policy cover past pollution events? Yes. The policy can include coverage for pollution events that commenced before the retroactive date, subject to underwriting review and documented site conditions. Are multi-year policies available? Yes. Multi-year terms are available and can be useful for long-term remediation projects or acquisition-related coverage. What limits are available through this program? Limits are available up to $25 million, depending on the risk profile and underwriting assessment. Is this program available nationwide? This program is available in most U.S. states, with coverage offered in 49 states plus the District of Columbia. Contact us for state-specific availability and any exceptions. Need help placing an account? Connect with a market specialist.