Search CompleteMarkets

... commercial growers, nurseries, greenhouses, and independent garden centers. A...nal values Property coverage for greenhouses, cold frames, benches, and stoc...

...erations (Indoor and Outdoor) • Greenhouses • Bakeries • Hydroponic Stores • I...

Lawn Care Services, Tree Trimming, and Related Services Insurance Insurance Program Managers Group (IPMG) offers a specialized program for agents and brokers placing business for lawn care, landscaping, and tree service operations. The program provides access to A-rated markets that understand the unique liability, pollution, and equipment exposure these contractors face—whether they provide seasonal lawn maintenance, install and service sprinkler systems, perform tree trimming or removal, or operate nursery facilities. This program is designed for brokers seeking flexible, industry-focused solutions. IPMG underwriters evaluate operations by scope of work and safety controls, so both small residential lawn crews and mid-sized commercial landscaping contractors can find appropriate placements when their exposures fit the appetite. Target Classes and Ideal Accounts Lawn care and landscaping contractors (residential and commercial) Sprinkler system installation, maintenance, and irrigation specialists Tree trimming, pruning, and removal services Nursery and greenhouse plant care operations Companies that apply herbicides, pesticides, or fertilizers as part of services If you have a client who runs a small team trimming trees and maintaining residential lawns, or a mid-sized landscape contractor that provides grounds maintenance and irrigation services, this program is a practical option to explore. Coverage Highlights Commercial General Liability – Third-party bodily injury and property damage protection tailored to outdoor service exposures. Contractors Pollution – Coverage for chemical applications and pollution liability tied to herbicide, pesticide, and fertilizer use. Inland Marine – Protection for contractor tools, equipment, and portable gear essential to operations. Excess Liability / Umbrella – Additional limits for higher-severity exposures and larger projects. Coverage can also extend to plants, shrubs, and other vegetation while under the insured’s care, custody, and control, depending on the submission and selected options. Underwriting Notes and Minimum Premiums Minimum premiums typically range from $500 to $750 per line of coverage. Program is placed with non-admitted carriers rated A or higher in the eligible states. Underwriters prefer clean safety records, defined scopes of work, trained staff, and documented pesticide/herbicide application procedures. For faster quoting, include a completed application, current loss runs, and a clear description of operations (including whether subcontractors are used and any certificate controls). Program Availability This program is currently available in the following states: Florida (FL) Illinois (IL) Missouri (MO) Indiana (IN) Iowa (IA) Note: The program is written on non-admitted paper in these states. Why Work With IPMG IPMG brings deep underwriting experience and established carrier relationships within the lawn care and landscaping niche. Their state-based contacts deliver responsive service and practical, risk-aware solutions. As a broker, you benefit from an underwriting team that understands equipment exposures, chemical application risks, and the operational differences between residential and commercial accounts. Example fits: A residential lawn care firm with 3–6 employees that provides weekly mowing, fertilization, and occasional pesticide treatments. A mid-sized landscape contractor that handles commercial grounds maintenance, irrigation system service, and selective tree pruning—with documented safety programs and endorsed pollution controls. Reach out to the appropriate contact for your state to discuss submissions and get quotes: Matt Becker (IL, IN, IA) (630) 485-5952 [email protected] Barbara Commings (FL) (855) 377-4764 Ext 5222 [email protected] Leona Greeves (MO) (314-293-9700) Ext 9705 [email protected] Frequently Asked Questions What types of accounts are a good fit for this program?This program is designed for businesses offering lawn care, landscaping, sprinkler system services, tree trimming and removal, and plant nursery operations. Accounts that regularly apply herbicides or pesticides are also eligible. Is this program available on admitted paper?No, this program is written on non-admitted paper with A-rated carriers in the eligible states. What is the minimum premium required?The minimum premium ranges from $500 to $750 per line of coverage, depending on the specific risk and coverage selected. What states is this program available in?The program is currently offered in Florida, Illinois, Missouri, Indiana, and Iowa. What coverages are included in the program?Available coverages include Commercial General Liability, Contractors Pollution, Inland Marine for contractor tools, and Excess/Umbrella Liability. Need help placing an account? Connect with a market specialist.

NutraRisk, a division of Worldwide Facilities, has underwriting authority with limits up to $5M for nutraceutical and cannabis risks nationwide. Exclusively underwritten through the NutraRisk team, Worldwide Facilities offers Commercial General Liability capacity for a broad range of cannabis-related accounts and a variety of wholesale carrier relationships to support your clients’ insurance needs. Overview of the Program This program is designed for agents and brokers who place cannabis and related nutraceutical accounts. NutraRisk underwrites both traditional cannabis classes and adjacent operations (CBD, cultivation, retail, processing, transport, laboratories, and more) and can provide limits up to $5,000,000. Coverage solutions are delivered through Wholesale Broker channels with specialized underwriting expertise that understands the unique risks in this sector. Ideal Accounts and Appetite Target accounts include: Target Classes Growers Infused Product Manufacturers Dispensaries / Retail Shops Medicinal Marijuana CBD Cultivation – Indoor, Greenhouse and Outdoor Operations Third-Party Processors / Harvesters Manufacturers of Goods and Equipment Wholesale / Distributors Retail Operations Management Offices Landlords – LRO Smoke Shops Garden / Hydroponics Stores Recreational Operations Wholesalers and Brokers Laboratories Transporters / Delivery Typical fits are licensed growers, processors, dispensaries, CBD manufacturers, lab testing facilities, transporters, and ancillary retail or wholesale businesses. The program is flexible and can handle small single-location retail risks up to mid-market cultivation and manufacturing operations. Coverage Highlights and Advantages Up to $5M in underwriting authority for eligible risks. Commercial General Liability tailored to cannabis and nutraceutical operations. Access to multiple wholesale carriers to match account characteristics and loss history. Experience with operations across the supply chain: cultivation, processing, distribution, retail, and ancillary vendors. Specialist underwriting team that understands regulatory nuance, product exposures, and operational controls common in the cannabis industry. Underwriting Notes Underwriting focuses on licensing status, regulatory compliance, product formulations and labeling, security and inventory controls, product testing, loss history, and distribution channels. Accounts with strong controls, documented procedures, and clear separation between legal and illicit activities are more likely to secure competitive terms. Higher-risk scenarios—such as accounts operating outside applicable licensing frameworks, significant unresolved regulatory actions, or extensive prior loss history—may be declined or placed with more limited capacity. Territories and Availability This wholesale program is available in the following jurisdictions: 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, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY. Placements are typically handled on a non-admitted basis; discuss admitted vs. non-admitted options with the NutraRisk underwriting team when applicable. Why Work With Worldwide Facilities / NutraRisk Specialized wholesale expertise in nutraceutical and cannabis markets. Speed and underwriting authority—ability to consider complex accounts up to $5M limits. Access to multiple carriers and flexible program structures to match different risk profiles. Dedicated practice leaders focused on life science and cannabis placements. Examples of Good Fits You might have a client who operates a licensed dispensary with a clean loss history and robust security—this program can provide tailored CGL and premises coverage. Or a mid-sized indoor grower with documented chain-of-custody, inventory controls, and third-party lab testing needs higher limits—NutraRisk has capacity and underwriting experience to evaluate and place that account. View coverage details and more on the NutraRisk website. Contact Morgan Moore Life Science Practice Leader, Wholesale Insurance Broker (213) 236-4566 | [email protected] Norman Ives Cannabis Practice Leader, Wholesale Insurance Broker (206) 538-5290 | [email protected] Frequently Asked Questions What types of cannabis accounts are a good fit for this program?Licensed growers, processors, dispensaries, CBD manufacturers, testing labs, transporters, and ancillary retail/wholesale businesses with documented controls and compliance are all within the program’s appetite. What limits and coverages can NutraRisk provide?NutraRisk has underwriting authority up to $5 million and focuses on Commercial General Liability solutions for cannabis and nutraceutical risks. Exact limit and coverage options depend on the account’s size, operations, and loss history. Is this program available in my state?The program is available in the long list of states shown in the storefront. Placement is typically handled through wholesale channels, so availability may vary by jurisdiction and whether an admitted option is required. How should I submit a risk for consideration?Prepare licensing documentation, a summary of operations, security and inventory controls, product testing and labeling information, and the most recent loss runs. The underwriting team uses these items to evaluate eligibility and pricing. What accounts are likely to be declined?Accounts operating outside required licensing frameworks, with unresolved regulatory actions, or with significant adverse loss history or undocumented product controls may be outside this program’s appetite. Need help placing an account? Connect with a market specialist.

...ds and wineries Nurseries and greenhouses Tree farms and orchards You ...

Farm & Ranch Insurance Ck Specialty Insurance Associates, Inc. offers a robust Farm & Ranch Insurance program tailored for agents and brokers with clients in agricultural industries. As a Western-based, family-owned MGA and surplus lines wholesaler, Ck Specialty provides access to a wide range of A-rated carriers, with in-house binding authority and brokerage markets to handle even the most complex rural risks. Whether your client operates a small hobby farm or a large-scale commercial ranch, this program is designed to protect both property and liability exposures unique to agricultural operations. Ck Specialty serves retail agents across AZ, CA, CO, ID, MT, NV, OR, UT, and WA, offering competitive solutions for a broad range of rural risks. Coverage's Include (but are not limited to): Farm Liability (basic farm premises and personal liability) Farm Property (including dwellings, appurtenant structures, personal property, barns, and outbuildings) Equipment Breakdown Activities or Pursuits Covered Include (but not limited to): Animals & Livestock Aquaculture & Fish Farms ATVs & Snowmobiles Beekeeping Owner-Occupied Dwellings Hazardous Materials on the Insured's Premises Pick-Your-Own Farms Ranches Seasonal or Vacant Occupancies Tree Farms Vineyards & Wineries Highlights: - Minimum premiums (MPs) as low as $500 - 24-hour quote turnaround in most cases - Access to numerous A-rated surplus lines carriers - In-house binding authority for faster processing Ideal Accounts and Appetite This program is an excellent fit for a wide range of agricultural operations. You can place accounts such as: A family-owned vineyard with a tasting room and seasonal foot traffic A multi-acre ranch with livestock and owner-occupied dwellings A beekeeping business that sells directly to consumers Pick-your-own farms offering agritourism activities Risks with hazardous materials, vacant or seasonal homes, and non-traditional farm activities are also considered. Underwriting Notes and Minimum Premiums Ck Specialty’s Farm & Ranch Insurance program is written on a non-admitted basis, allowing flexibility in underwriting unique or hard-to-place risks. Minimum premiums vary by risk profile, with some options starting as low as $500. Submissions receive a fast turnaround—typically within 24 hours. Territories and Availability This program is available to retail insurance brokers in the following states: AZ, CA, CO, ID, MT, NV, OR, UT, and WA. Why Work With Ck Specialty As a Western-based MGA and wholesaler, Ck Specialty understands the unique exposures and needs of rural and agricultural clients. With deep market access, responsive service, and underwriting expertise in farm-related risks, they are well-positioned to help you place even your most challenging accounts. Ck Specialty Insurance is a family-owned & operated, Western-based MGA/Wholesaler/Surplus Lines Broker providing market access to retail insurance brokers in AZ, CA, CO, ID, MT, NV, OR, UT, & WA. Ck Specialty Insurance: Opening market doors…for you. Frequently Asked Questions What types of accounts are a good fit for this Farm & Ranch Insurance program?Ideal accounts include vineyards, ranches, tree farms, aquaculture operations, beekeeping businesses, and pick-your-own farms. Both traditional and niche agricultural risks are considered. Is this program available on an admitted or non-admitted basis?This program is offered on a non-admitted basis through numerous A-rated surplus lines carriers, allowing flexibility for unique or hard-to-place risks. What is the typical turnaround time for quotes?Ck Specialty typically provides quotes within 24 hours of receiving a complete submission. Are seasonal or vacant dwellings eligible for coverage?Yes, the program includes coverage options for seasonal or vacant occupancies located on farm or ranch premises. Which states is this program available in?This Farm & Ranch Insurance program is available to retail brokers in AZ, CA, CO, ID, MT, NV, OR, UT, and WA. Need help placing an account? Connect with a market specialist.

...s, and completed operations Greenhouses and Garden Centers Grocery Sto...

...d Horse Farms Nurseries and Greenhouses Cotton and Citrus Growers ...

...es or fireworks manufacturers Greenhouses Grain or seed milling operations...