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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...

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.

...pically fit: a small commercial landscaper who performs grounds maintenance fo...on application if the work involves chemical treatments or irrigation system installati...

...ractors Pollution – Coverage for chemical applications and pollution liability...ne for contractor tools, and Excess/Umbrella Liability. Need help placing an...

...you have clients such as a solo landscaper managing several residential proper..., and retail—including residential landscapers, commercial cleaning services, ...

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.

...00 Medical Payments included Chemical Applicator coverage included at poli...occurrence and aggregate. Excess or umbrella limits can be placed up to $25,00...

...es like janitorial services and landscapers Hospitality accounts including s...

.../ Fire Proofing Landscapers Lead Abatement ...ing soil excavation and groundwater treatment on multiple small to mid-size si...

Overview — First Choice Insurance Intermediaries, Inc. Commercial Property Insurance First Choice Insurance Intermediaries, Inc. offers Commercial Property Insurance designed for independent agents and brokers who need reliable placement options for business property exposures. This program compensates a business when property used in operations is lost or damaged by common perils such as fire, theft, wind, or vandalism. Coverage applies to buildings and structures as well as “personal property” — office furnishings, inventory, raw materials, machinery, computers and other items critical to a business’s operations. Coverage highlights and advantages Commercial package capability: Available forms can include property, general liability, crime and business interruption. Endorsements are available to tailor the package to specific classes (for example, restaurants or florists). Broad property coverage: Building, business personal property, tenant improvements and betterments, and stock/inventory options where appropriate. Business interruption: Time-element coverage to protect income and help policyholders recover after a covered loss. Premium financing: Premium Financing Available. Deductible options: $500, $1,000 and up, depending on the carrier and account. Wholesale placement: First Choice acts as a wholesale broker, providing access to admitted and non-admitted markets appropriate to the risk. Ideal accounts and target classes This Commercial Property program is a strong fit for small- to mid-sized brick-and-mortar and light-industrial risks. Target classes include: Apartment: Owners of buildings used exclusively as apartment houses, including cooperatives. Building: Lessors of commercial buildings occupied by offices, mercantile and retail tenants. Business: Personal consumer services, light repair shops and printing businesses. Condominium: Owners of buildings used exclusively as condominiums. Contractors: Residential and specialty trade contractors (light exposure). Garage: Independently operated or franchised automotive service and repair businesses. Manufacturers: Small manufacturers of food products, leather, metal, paper, plastic, rubber, textiles and wood products. Professional Office: Medical, legal, financial and other professional service firms. Religious: Churches and houses of worship (excluding large affiliated educational institutions). Restaurant: Franchise, family and higher-end eateries (subject to cooking/hood suppression underwriting). Store: Brick-and-mortar retail operations. Technology / Technology Office: Manufacturers of electronics and firms providing computer and technology services. Wholesalers: Distributors of durable and non-durable goods. Underwriting notes and typical restrictions Preferred accounts are small to mid-sized businesses with straightforward property exposures and up-to-date loss control. Accounts with significant high-hazard operations, extensive flammable processing, severe code violations, or long-term vacant buildings may be declined or require placement in specialized markets. Cooking exposures (restaurants) and automotive operations (garages) will be underwritten for suppression systems, distance to exposures, and prior losses. Carriers in the program may impose minimum premiums, occupancy-specific endorsements, or higher deductibles for certain classes — confirm requirements at submission. Territories and admitted status Available in the following states: AL, CA, CO, CT, DE, FL, GA, IL, IN, KS, LA, MD, MA, MI, MO, NV, NJ, NM, NY, NC, OH, OR, PA, SC, TN, TX, VA, WA, WI. Admitted paper is available in some states; First Choice can also access non-admitted markets where necessary. Coverage availability and form depend on the carrier selected and state regulations. Why place this business with First Choice Insurance Intermediaries, Inc. As a wholesale broker, First Choice provides direct access to multiple markets and negotiates program forms and endorsements tailored to common small commercial risks. Underwriters focus on practical, class-specific solutions rather than one-size-fits-all forms, which helps place accounts that might otherwise be difficult at retail. Support for premium financing and package placements simplifies transactions for your insureds. Responsive underwriting and flexibility on endorsements for restaurants, technology firms, small manufacturing and retail make this a good fit for agents seeking competitive terms for typical commercial property risks. Example account scenarios You have a two-story retail building with occupied storefronts and a small stockroom — this program can combine building and business personal property limits with business interruption coverage. A local family-run restaurant with a hood suppression system and a solid loss history — the program can offer package property and liability options with restaurant endorsements. Frequently Asked Questions What types of accounts are a good fit for this Commercial Property program?Small- to mid-sized brick-and-mortar retailers, offices, restaurants, light manufacturers, wholesalers, garages and professional offices are ideal. The program targets straightforward property risks that benefit from a commercial package. Which states and paper types are available?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, TN, TX, VA, WA and WI. Admitted paper is available in some states; non-admitted placement is used where needed. Are premium financing and endorsements supported?Yes. Premium financing is available and a variety of class-specific endorsements can be added to tailor coverage for restaurants, contractors, technology firms and other targeted classes. What information should I include with a submission?Provide a current ACORD application, recent loss runs (5 years preferred), building and business personal property values, occupancy details, protection class or sprinkler info, and any risk control documentation (e.g., hood suppression inspection for restaurants). Need help placing an account? Connect with a market specialist.