https://completemarkets.com/company/firstchoiceii/Commercial-Inland-Marine-Insurance/
Commercial Inland Marine Insurance Program from First Choice Insurance Intermediaries, Inc.
First Choice Insurance Intermediaries, Inc. offers a comprehensive Commercial Inland Marine Insurance program designed to meet the needs of businesses with property exposures that move or are not confined to a fixed location. This program is ideal for hard-to-place inland marine risks and provides flexible coverage options for agents and brokers seeking specialized solutions for their commercial clients.
Ideal Accounts and Target Classes
This inland marine program targets a wide variety of industries and property types. Coverage is available for both small and mid-sized accounts and includes first-dollar coverage options. You can confidently place accounts in the following classes:
Accounts Receivable
Bailee Coverage
Builders' Risk
Communication Towers and Equipment
Computer Coverage
Contractors Equipment
Commercial Floaters
Dealers Inventory
Exhibitions and Fine Arts
Furriers
Installation Floaters
Jewelers Block
Medical Equipment
Motor Truck Cargo
Transportation Equipment
Trip Transit
Valuable Papers
Warehouse Legal Liability
Whether your client is a contractor transporting equipment between job sites, a fine art exhibitor, or a medical supply distributor, this program offers tailored solutions to protect their mobile assets.
Coverage Highlights and Advantages
The Commercial Inland Marine program offers broad, inland marine coverage for property in transit, movable property, and items that are difficult to insure under standard property forms. Coverage includes:
Property in transit over land
Property under construction
Computerized equipment
Legal liability for bailees
Instrumentalities of transportation and communication
Many policies are written on a "floater" basis, providing coverage regardless of the property's location. For clients seeking bundled solutions, a Commercial Package option is available, which includes:
Commercial Property
General Liability
Crime Coverage
Business Interruption
Underwriting and Premium Flexibility
For small and mid-size accounts, First Choice offers first-dollar coverage without high deductibles, making this program accessible for a wide range of business sizes. Premium financing is available, helping your clients manage cash flow while securing the protection they need.
Territories and Admitted Status
This program is available in a wide range of states, including AL, CA, CO, CT, DE, FL, GA, IL, IN, KS, LA, MD, MA, MI, MO, NV, NJ, NM, NY, NC, OH, OR, PA, SC, TX, VA, WA, and WI. Some admitted markets are available depending on the state and class of business.
Why Work With First Choice Insurance Intermediaries, Inc.?
As a trusted wholesale broker, First Choice Insurance Intermediaries, Inc. offers access to specialized inland marine markets and underwriting expertise that can help you place complex or mobile property risks quickly and efficiently. Their program is designed with flexibility in mind, ideal for agents and brokers seeking responsive service and comprehensive inland marine solutions across a range of industries.
To learn more about the program or to explore appetite for a specific risk, visit the First Choice Insurance Intermediaries company profile.
Frequently Asked Questions
What types of accounts are a good fit for this program?This program is ideal for contractors, builders, transporters, jewelers, art exhibitors, and businesses with property frequently in transit or located at multiple sites.
Is this program available for small businesses?Yes. First Choice offers first-dollar coverage options designed for small and mid-sized accounts, making it accessible for a wide range of business sizes.
Does this program include coverage for property under construction?Yes. Builders' Risk coverage is part of the program and is suitable for insuring structures and materials during construction or renovation.
Are policies written on an admitted basis?Some admitted markets are available depending on the state and type of risk. Availability varies by jurisdiction and class of business.
Which states is the program available in?The program is available in AL, CA, CO, CT, DE, FL, GA, IL, IN, KS, LA, MD, MA, MI, MO, NV, NJ, NM, NY, NC, OH, OR, PA, SC, TX, VA, WA, and WI.
Need help placing an account? Connect with a market specialist.
https://completemarkets.com/company/novatae/workers-compensation-for-landscape-contractors/
https://completemarkets.com/company/keating/landscaping-workers-compensation-insurance/
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.