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...cape gardeners and full-service landscapers Lawn care and grass-mowing ser...nd both residential and commercial landscapers operating in NC, VA and DC—espe...

McGowan Excess & Casualty Trade Contractors Umbrella Insurance Overview of the Program From The McGowan Companies The McGowan Companies offers a focused Trade Contractors Umbrella Insurance program through McGowan Excess & Casualty, designed for agents and brokers seeking excess liability capacity for trade and artisan contractor clients. Whether your insureds perform commercial construction, municipal subcontracting, or specialty residential work, this program delivers the additional layer of liability protection needed to meet contractual obligations and to protect against catastrophic loss. As a Managing General Underwriter with broad market access, McGowan combines underwriting expertise and flexible placement options to address the varied exposures of trade contractors. The program is available in most states and is commonly placed on a non-admitted basis where appropriate. Ideal Accounts and Appetite This program targets a wide range of trade contractors working in residential, commercial, and light industrial construction. Eligible classes include: Electricians Plumbers Paving and grading contractors Cable installation HVAC contractors Drywall and flooring installation Landscaping and painting Septic tank installation Solar panel installation Sewer and water main contractors Swimming pool contractors Tile, plastering, and masonry Concrete, carpentry, roofing, and siding If you have a client installing commercial solar arrays who needs higher limits for contract compliance, or a subcontractor working on a municipal sewer project requiring layered excess capacity, this program is built to provide the necessary umbrella limits and flexible layering. Coverage Highlights and Advantages Commercial Umbrella Liability – Provides an additional layer of liability protection above qualifying underlying policies. Follow Form Excess Liability – Can follow form over eligible lead umbrellas for streamlined terms and consistency. Limits – Umbrella limits begin at $1MM with capacity up to $100MM. Excess layers can be placed from $1MM to $100MM over existing lead umbrellas. Terms are structured to accommodate high-exposure projects and strict contractual insurance requirements while remaining competitive for the trade segment. Underwriting Notes and Minimum Requirements Underwriters typically require underlying carriers to be rated A- / VII or better; limited exceptions may be considered for Employers Liability (EL) carriers. McGowan’s team evaluates each submission on its individual merits and is known for practical, creative approaches to structuring layered excess programs. Response times are generally quick when submissions are complete and clearly documented. Territories and Availability This program is available in most states across the U.S., including but not limited to: CA, FL, NY, TX, IL, GA, and PA. Coverage availability and admitted versus non-admitted options may vary by jurisdiction and carrier selection. Why Work With The McGowan Companies? The McGowan Companies bring decades of casualty and umbrella underwriting experience, strong market relationships, and access to both admitted and non-admitted capacity. Agents and brokers benefit from McGowan’s underwriting sophistication, speed to market, and willingness to tailor layered solutions that help clients meet contract and project requirements. Contact McGowan to discuss specific submissions and to determine how their Trade Contractors Umbrella Insurance program can help you place larger-limit excess liability for your contractor accounts. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for trade contractors such as electricians, HVAC technicians, roofers, masons, and other artisan trades working in residential, commercial, or municipal construction environments. What coverage limits are available?Umbrella limits start at $1MM and can go up to $100MM. Excess layers can also be written from $1MM to $100MM over qualifying lead umbrellas. Is admitted paper available?The program is available in most states, primarily on a non-admitted basis. Availability may vary by carrier and state regulations. Are there any underwriting requirements for the underlying carriers?Yes, underlying carriers generally need to be rated A- / VII or better. McGowan may consider exceptions for certain Employers Liability carriers on a case-by-case basis. How quickly can submissions be reviewed?McGowan is known for responsive underwriting. Turnaround depends on the completeness of the submission and the complexity of the risk, so include clear loss runs, contracts, and lead umbrella policy details for the fastest review. Need help placing an account? Connect with a market specialist.

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

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

...rtner. Whether your client is a landscaper with a small fleet or an arborist m...

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.

Keating can handle commercial and residential landscaping accounts. Our Landscaping Workers' Compensation Insurance program is designed for lawn care, gardening and landscaping contractors who need admitted workers' compensation solutions and underwriting flexibility. Overview of the Program from Keating This program is written by admitted carriers and is intended to provide straightforward workers' compensation coverage for landscaping operations. Keating underwrites accounts that perform routine lawn care, landscape construction, gardening, tree trimming and seasonal snow plowing. The program emphasizes clear payroll classification handling, competitive pricing for qualifying risks, and responsive underwriting for seasonal and variable payroll exposures. Ideal Accounts and Appetite Small to mid-sized lawn care companies and independent landscaping contractors Landscape construction and renovation firms performing hardscape and softscape work Gardening services, including irrigation maintenance and routine yard care Tree trimming and pruning crews with trained climbers and ground personnel Contractors offering snow plowing as a seasonal operation We prefer accounts with predictable payroll reporting, documented safety programs, and a manageable percentage of subcontractor usage. High-risk operations such as large-scale tree removal requiring aerial lifts, demolition, or accounts with multiple uninsured subcontractor layers may require additional underwriting review and are less likely to fit this program. Coverage Highlights and Advantages Admitted workers' compensation coverage through participating carriers Broad class code appetite for landscaping-specific exposures (lawn care, tree trimming, landscape construction, snow plowing) Support for seasonal payroll and temporary employee schedules Options for tailored loss control recommendations and safety program consultation to help reduce frequency and severity Competitive minimum premium threshold to match small businesses while accommodating mid-sized contractors Underwriting Notes and Minimum Premiums Keating evaluates accounts based on payroll size, class mix, claims history, and safety controls. Minimum premium for this program is $2,000. Standard underwriting items include a current payroll breakdown by classification, a five-year loss run history, description of operations (including any tree work or heavy equipment use), and details on subcontractor relationships. Accounts with primary commercial auto exposures should be submitted with driver lists and MVRs when available. Territories and Availability This program is available in all admitted territories listed below. Keating places landscaping workers' compensation in multiple states via participating carriers: Available in: AK, AL, AR, AZ, CA, CO, CT, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY and DC. Why Work With Keating on Landscaping Workers' Compensation As an admitted program offering, Keating provides agents the advantage of placing coverage that meets state regulatory expectations while giving access to several participating carriers. Our underwriters understand landscaping operations and can work with you to place accounts that need admitted solutions, reasonable minimum premiums, and practical loss control guidance. We aim for quick turnaround on submissions and clear communication through binding. Example accounts that typically fit A three-person lawn care company with seasonal crews and modest annual payroll, seeking admitted workers' compensation and basic loss control guidance. A landscape construction firm performing hardscape installation and routine maintenance, with a documented safety program and clean loss history. Contact Keating through your CompleteMarkets portal for submission instructions and current carrier appetite updates. Provide payroll by class, five years of loss runs, and a brief operations description to obtain a timely review. Frequently Asked Questions What types of landscaping accounts are a good fit for Keating's program?Accounts that fit include lawn care, gardening, landscape construction, routine tree trimming (not large hazardous removals), and seasonal snow plowing. We prefer insureds with documented safety programs and manageable subcontractor use. What submission materials does underwriting typically require?Provide a current payroll breakdown by class code, five years of loss runs, a description of operations, and details on subcontractors. Commercial auto exposures should include driver information and MVRs when available. Is the program admitted and which states are eligible?This is an admitted program available in the states listed on the program page (AK, AL, AR, AZ, CA, CO, CT, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY and DC). Check the portal for state-specific carrier participation. What is the minimum premium and how are seasonal payrolls handled?The program minimum premium is $2,000. Underwriting can accommodate seasonal payrolls—submit estimated annual payroll and indicate months of peak staffing so we can underwrite and audit appropriately. Need help placing an account? Connect with a market specialist.

..., 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.