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

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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.

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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.

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.

Workers Compensation Insurance for paving contractors is often costly because the work is high-risk. Crews face hazards such as burns from hot asphalt, chemical and fume exposure, respiratory irritation from smoke, and physical injuries like back strains, sprains, or hernias from lifting and equipment operation. Even well-managed paving businesses can have severe or frequent claims, so placing the right workers’ comp program is essential to protect your clients and control long-term costs. Novatae Risk Group, in partnership with Empire Underwriters, leverages more than 30 years of experience helping agents and brokers place tailored Workers Compensation solutions for paving contractors. We combine underwriting expertise for high-hazard classes with access to multiple carrier options so you can find terms for accounts that are difficult to place in standard markets. Ideal Accounts and Appetite: Experience MOD of 1.30 or higher High-hazard or difficult class codes (paving, asphalt, surface prep) Blue-, gray-, and white-collar workforces Accounts currently in state pools or assigned risk funds Distressed, lapsed, or canceled policies New ventures with no prior coverage Multi-state operations and accounts with out-of-state exposures Hard-to-place workers compensation risks requiring specialty markets This program is built for accounts other carriers may decline or price aggressively — including contractors with prior claims, complex payroll mixes, or multi-jurisdictional exposures. If you have an insured that has been assigned to a state fund, is new to the trade, or has an elevated MOD, this program is designed to provide practical placement options. Coverage Highlights and Advantages: Fast turnaround on submissions to keep placement timelines tight Access to many "A" rated carriers and surplus markets (varies by state) Stand-alone workers compensation policies and integrated work comp solutions Guaranteed cost programs as well as dividend and retrospective (retro) plans High-deductible and large-loss financing options Custom account handling and flexible underwriting for qualified risks Underwriting Requirements and Minimum Premium: Completed ACORD 130 application 3–4 years of loss runs Detailed explanations and documentation for any large or recurring losses Completed supplemental questionnaire when requested Minimum premium starts at $10,000. Underwriting flexibility is available for certain qualified accounts; submit complete information to get the most favorable consideration. Territories and Availability: This program is available in most states. Representative availability includes AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, DC, WV, and WI. Multi-state exposures are handled regularly — provide jurisdictional payroll details with submissions. Why Work With Novatae Risk Group: As a Managing General Underwriter and Excess & Surplus Lines broker, Novatae Risk Group offers deep market access and specialty underwriting for challenging workers compensation placements. Our relationship with Empire Underwriters gives you direct pathways to a variety of admitted and non-admitted carriers. We focus on practical placement, responsive underwriting, and account-level flexibility that helps you keep business with your clients. Need a Workers Compensation Insurance quote for a paving contractor client? Send an email to [email protected] with your coverage needs or call 800-758-8113 to speak to an underwriter immediately. Example accounts that typically fit this program: A regional paving contractor with a MOD of 1.45, multi-state payroll, and several prior medical-only claims seeking alternatives to the assigned risk pool. A start-up asphalt surfacing business with limited loss history and mixed class codes needing stand-alone workers comp coverage and flexible payroll handling. Frequently Asked Questions What types of accounts are a good fit for this Workers Compensation program?Paving contractors with elevated MODs, hard-to-place class codes, prior losses, multi-state operations, or those currently in assigned risk pools. New ventures are also considered when documentation is provided. Can I submit accounts with lapsed or canceled coverage?Yes. Distressed accounts, including those with lapsed or canceled policies, are within the program’s appetite when underwriting requirements are met and loss explanations are provided. What documents are required to get a quote?Provide a completed ACORD 130, 3–4 years of loss runs, details and reserves for any large losses, and a completed supplemental questionnaire if requested by underwriting. Is this program available in all states?The program is available in most states, including major paving markets such as CA, TX, FL, NY, and IL. We routinely handle multi-state exposures; list all jurisdictions on the submission. What is the minimum premium for eligible accounts?The minimum premium requirement is $10,000. Final pricing depends on payroll, loss history, class mix, and underwriting evaluation. Need help placing an account? Connect with a market specialist.

Tree service contractors face some of the highest risks in the industry, with hazardous job sites, heavy equipment, and unpredictable outdoor conditions. Having the right Workers Comp Insurance is critical to protecting your clients and their employees from workplace injuries and costly claims. Novatae Risk Group, in partnership with Empire Underwriters and top-rated carriers, offers a specialized Workers Comp program designed for tree contractors and related high-risk classes. This program is ideal for agents and brokers seeking flexible solutions for tough-to-place accounts, including those with high MODs, multi-state operations, or gaps in coverage. Whether your client is a new venture or has been declined or non-renewed in the past, Novatae’s underwriting team understands the unique exposures faced by tree service professionals and can help you find the right fit. Appetite: Experience MOD of 1.30 or higher High-hazard industries, including tree trimming and removal Blue, gray, and white collar job classes Accounts currently in state funds or assigned risk pools Distressed or lapsed policies New businesses with no prior coverage Multi-state exposures Hard-to-place Workers Comp risks Program Features: Fast turnaround on quotes and submissions Access to multiple “A” rated carriers Stand-alone Workers Comp policies Guaranteed cost and high deductible options PEO, ASO, and non-PEO contract solutions Integrated Work Comp solutions for complex accounts Dividend and retro plans available Consent to Rate services for difficult renewals Custom account handling and support Client option to cut checks in-house Underwriting Requirements: Completed ACORD 130 application 3–4 years of loss runs Details on any large losses Supplemental questionnaire Territories and Availability: This Workers Comp program is available in most states, including AL, AZ, AR, CA, CO, CT, DE, FL, GA, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, DC, and WI. Minimum premium typically starts at $10,000, and coverage is offered through both admitted and non-admitted markets, depending on state availability and account fit. Why Work With Novatae Risk Group? Novatae Risk Group is a trusted Managing General Underwriter and Excess & Surplus Lines Broker with deep expertise in placing complex and high-hazard Workers Comp risks. Through its partnership with Empire Underwriters, Novatae delivers competitive solutions for agents who need fast, dependable access to specialty markets. Whether you’re working with a tree trimming company with a challenging claims history or a new startup needing guidance, Novatae can help you deliver the right coverage at the right time. Need a quote for your Tree Contractor client? Send submissions to [email protected] or call 800-758-8113 to speak directly with an underwriter. Frequently Asked Questions What types of tree contractor accounts are a good fit for this program?This program is well-suited for high-hazard tree trimming and removal companies, especially those with MODs over 1.30, prior losses, or multi-state operations. Can I submit new ventures or accounts with no prior Workers Comp coverage?Yes. New ventures and accounts with no prior coverage or a lapse in coverage are eligible for consideration under this program. Which states is this Workers Comp program available in?This program is available in over 45 states, including CA, FL, TX, NY, and many others. Contact underwriting for state-specific eligibility. Do you offer solutions for clients currently in a state fund or assigned risk pool?Yes. We specialize in helping agents move accounts out of state funds or pools into more competitive private market solutions. What submission documents are required to get started?You'll need a completed ACORD 130, 3–4 years of loss runs, details on large losses, and a supplemental questionnaire. Need help placing an account? Connect with a market specialist.