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...r extensive experience insuring landscapers as an exposure within our market-...ility Commercial Property & Inland Marine Coverage Written through West...

Commercial Inland Marine Insurance Program from First C...responsive service and comprehensive inland marine solutions across a range of indust...

Artisan Contractors Insurance Allstar Financial Group’s Artisan Contractors Insurance program, offered through Allstar Underwriters, is designed for independent agents and brokers seeking comprehensive and flexible coverage options for small to mid-sized artisan contractor clients. With access to multiple carriers and tailored underwriting expertise, we make it seamless to quote, bind, and service policies across a broad range of trades and project types. Ideal Accounts and Appetite Our program is an excellent fit for general and specialty artisan contractors involved in residential, commercial, or mixed-use projects. We welcome accounts such as: Electrical, plumbing, and HVAC contractors Carpenters, drywall installers, and painters Masonry, roofing, and flooring professionals Remodelers and small general contractors We also consider risks related to habitational, office, retail, institutional, wholesale, and vacant property exposures. Uninsured subcontractors can be considered, and policies can be tailored for project-specific needs. This program is designed for agents with clients who need a responsive market for both straightforward and more nuanced construction risks. Coverage Highlights and Advantages Casualty Coverage: Available as monoline or package policies Minimum premiums starting at $500 Primary limits available up to $5M/$5M Project-specific policies available Optional coverage enhancements including: Blanket Additional Insured Waiver of Subrogation Primary and Non-Contributory wording Per Project/Per Location Aggregates Hired & Non-Owned Auto (select classes) Misc. Professional Liability (select classes) Umbrella Coverage: Limits up to $5 million Minimum premiums starting at $750 Available on a supported or unsupported basis Umbrella policies require underlying carriers with AM Best ratings of A-VI or better for Auto/GL and B++ or better for Employers Liability. GL limits of $1M/$2M/$2M are required. Underwriting Highlights and Minimum Premiums Our underwriting team focuses on responsiveness and flexibility. Minimum premiums vary by class and coverage, starting at $500 for casualty and $750 for umbrella. We work with agents to find the right structure for each account, whether it’s a standalone policy or a complete package. Example: You might have a contractor client specializing in residential remodeling who uses a few uninsured subcontractors. Our program can accommodate this setup while offering the coverage enhancements needed to satisfy project owner requirements. Territories and Market Availability This program is available in most states, with a focus on AL, GA, LA, MS, NC, SC, TN, and VA. We operate on a non-admitted basis, giving us the flexibility to tailor solutions outside the standard market. Why Work With Allstar Financial Group? Allstar Financial Group is a trusted Managing General Underwriter and E&S Broker with deep experience in contractor risk placement. Our small business solutions division is built to support independent agents with fast quoting, knowledgeable underwriters, and access to multiple quality carriers. Whether you're working on a single artisan policy or a bundled package for a growing contractor, we streamline the process and help you deliver value to your clients. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for small to mid-sized artisan contractors, including electricians, plumbers, HVAC techs, painters, roofers, and general remodelers. Can the program accommodate uninsured subcontractors?Yes, accounts with uninsured subcontractors can be considered based on underwriting review. Is this coverage available on an admitted basis?No, most coverage is placed on a non-admitted basis to provide greater flexibility in terms and structure. In which states is this program available?The program is available in most states, with a core focus on AL, GA, LA, MS, NC, SC, TN, and VA. Are project-specific policies available?Yes, we offer project-specific policies and can tailor coverage to meet the needs of individual jobs or contracts. Need help placing an account? Connect with a market specialist.

...ractors Pollution – Coverage for chemical applications and pollution liability...al Liability, Contractors Pollution, Inland Marine for contractor tools, and Excess/U...

...lude general liability, property, inland marine, business auto, workers’ compensation...

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.

...both residential and commercial landscapers operating in NC, VA, and DC. Is th...

..., industry-focused coverage for landscapers, lawn care providers, and tree ser...ram?LandPro® TreePro® is ideal for landscapers, lawn maintenance providers, an...

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.