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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.

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Why do your clients need Residential Child Care Insurance? A child suffers bodily injury while using playground equipment on your client’s premises A parent files a false accusation of abuse or molestation against staff or volunteers An employee accidentally spills hot liquid on a child, causing injury A parent experiences emotional distress due to lack of proper permission for a field trip Residential Child Care Insurance Program from Cochrane & Company Cochrane & Company offers a targeted Residential Child Care Insurance program that helps agents place coverage for facilities and home-based operations that care for children. The program is underwritten for the unique liability and professional risks of residential child care—licensed or unlicensed—including operations that serve special needs children or run activities such as supervised swimming or keep pets on site. Ideal Accounts and Appetite This program is well suited for a variety of residential child care models, including: Small in-home day care and residential group homes Programs that accept drop-in or temporary placements Providers with pets on the premises Operations with access to public pools or shallow wading pools (up to 24" deep) Care providers serving special needs children Typical appetites include smaller, closely supervised operations and structured residential homes. Accounts with extensive commercial exposures, large congregate care facilities, or unmitigated high-hazard activities may require referral or alternative markets. Coverage Highlights and Advantages Professional Liability included automatically at the General Liability limit with no separate surcharge No liability deductible for simpler claims handling Child Molestation & Abuse Coverage up to $100,000 per occurrence / $300,000 aggregate, including off-premise incidents and corporal punishment Defense Cost Reimbursement option to help facility owners and employees facing allegations Medical Payments Coverage included automatically—covers enrolled children at no extra charge Hired & Non-Owned Auto Liability available where needed Expanded Bodily Injury Definition that can include sickness or disease resulting from emotional distress or mental anguish Underwriting Notes and Minimum Premiums Cochrane underwriters evaluate accounts with attention to supervision levels, staff hiring practices, building safety, and activity controls (pools, pets, transportation). Provide complete applications and loss histories for the fastest response. Minimum premiums and terms vary by account size, location, and specific exposures—submit full details so underwriters can tailor appropriate terms. Territories and Availability This program is available in: Arizona, California, Idaho, Montana, Nevada, New Mexico, North Dakota, Oregon, Utah, Washington, and Wyoming. Most accounts are written on an admitted basis where that option exists; non-admitted placement may be used when required by risk characteristics or state availability. Why Work With Cochrane & Company? As a specialized Managing General Agency, Cochrane & Company brings decades of niche underwriting experience in specialty programs. Agents benefit from underwriters who understand child care exposures, flexible appetite for varied residential models, and access to multiple carrier options. The program’s built-in professional liability, abuse coverage, and no-liability-deductible approach make placement straightforward for many smaller providers. Example Accounts That Fit This Market You have a licensed in-home provider who cares for mixed-age children, keeps a family dog on site, and occasionally takes kids to a nearby wading pool—this program can often provide GL, professional liability, and abuse coverage in a single package. You work with a small residential group home that serves special needs children and provides supervised community outings; the program’s expanded bodily injury language and defense reimbursement option can address those exposures. Need more details on binding or placing an account? Submit a complete application or connect with a market specialist for guidance on documentation and preferred submission formats. Frequently Asked Questions What types of accounts are a good fit for this program? Residential or home-based child care providers, including those with pets, wading pools, special needs children, or drop-in care models, are the primary focus for this program. Is coverage available for abuse and molestation claims? Yes. Child Molestation & Abuse coverage is offered up to $100,000 per occurrence and $300,000 aggregate, including off-premise incidents. Are there any deductibles for liability coverage? No—this program typically has no liability deductible, which simplifies claims handling for your insureds. Which states is this program available in? The program is offered in AZ, CA, ID, MT, NV, NM, ND, OR, UT, WA, and WY. Does the program include Professional Liability? Yes—Professional Liability is automatically included at the General Liability limit with no additional premium. Need help placing an account? Connect with a market specialist.

Protect Retail Clients with SMART-U Insurance from SterlingRisk Programs For more than two decades, SterlingRisk Programs has specialized in managing national risk purchasing groups and delivering tailored program solutions through a broad network of agents and brokers. Launched in 2014, the SMART-U Insurance Program is built specifically for retail operations—providing flexible, market-responsive coverage for store owners, tenants, landlords, merchants, and franchisees across many retail classes. Ideal Accounts and Appetite SMART-U targets a wide range of retail-related risks, including but not limited to: Independent and multi-location retail store owners Shopping center tenants and landlords Franchise operators Specialty merchants and boutique retailers Whether your client operates a single storefront, a regional chain, or leases space to multiple tenants, SMART-U can deliver tailored coverage solutions to match typical retail operations and exposures. Coverage Highlights and Advantages SMART-U is designed to address the common exposures faced by retail businesses. Typical coverages available through the program include: General liability Property coverage for owned or leased locations Business interruption and loss of income Tenant improvements and betterments Equipment breakdown and crime coverage We place business with carefully selected carriers to ensure competitive terms, reliable claims handling, and broad admitted availability. Most coverage is written on an admitted basis in the majority of available states. Underwriting Notes and Minimum Premiums Minimum premiums vary by size, location, and the nature of the retail operation. Submissions should include basic operational details, property information (when applicable), and loss history. SterlingRisk underwriters will evaluate new ventures as well as established businesses with clean to moderate loss records. Complex risks may require additional documentation or risk control strategies. Territories and Availability SMART-U is accessible in over 45 states, including major retail markets such as NY, CA, TX, FL, and IL, as well as the District of Columbia. Coverage availability and form filing status may vary by state; agents should consult with SterlingRisk for state-specific guidance. Why Place Business with SterlingRisk Programs? As a Managing General Agency, SterlingRisk Programs provides focused program underwriting and responsive service for retail accounts. Agents gain access to: Experienced program underwriters with retail expertise Broad appetite across retail classes Multiple carrier relationships and admitted placement where available Efficient quote turnaround and placement support If you have retail clients who need dependable, tailored protection, SMART-U gives you a practical option to secure appropriate coverage and placement through SterlingRisk. Example Accounts A single-location boutique clothing store seeking combined property and liability limits along with tenant improvements coverage following a recent remodel. A regional convenience-store operator with multiple leased locations needing a program that combines property, business interruption, and crime coverage across several states. Frequently Asked Questions What types of accounts are a good fit for this program?SMART-U fits retail store owners, shopping center tenants and landlords, franchise operators, and specialty merchants across a wide range of retail sectors. Is the SMART-U program admitted or non-admitted?The program is written on an admitted basis in most available states, offering regulated forms and broader market acceptance where filings are required. What states is the SMART-U program available in?SMART-U is available in over 45 states, including major markets such as NY, CA, TX, FL, and IL, and is also accessible in DC. Availability can vary by state—confirm with SterlingRisk for specifics. What information is required for a submission?Provide basic operational details, property information (if applicable), and loss history. Underwriters may request additional documentation depending on the complexity of the risk. Can new retail businesses qualify for this program?Yes. New ventures are considered, particularly when they demonstrate sound planning and acceptable risk controls. Underwriting will review the business plan and exposures as part of the submission. Need help placing an account? Connect with a market specialist.

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Retail Insurance Allstar Financial Group, a Managing General Underwriter and Excess & Surplus Lines Broker, offers a flexible and competitive Retail Insurance program through its Allstar Underwriters division. Designed to serve small and mid-sized retail accounts, this program provides agents and brokers with streamlined access to Property, Casualty, and Umbrella coverages for a wide range of commercial risks. Ideal Accounts and Appetite The Retail Insurance program is a great fit for agents seeking coverage solutions for clients in various industries, including: Retail operations (e.g., clothing stores, electronics shops) Contractors Habitational risks (apartments, condos) Office buildings Vacant buildings Wholesale businesses Institutional facilities Whether you're working with a strip mall tenant or an independent contractor, Allstar provides flexible underwriting options to accommodate diverse risk types. You might have a client who operates a small retail clothing store in a suburban shopping center—this program can offer both property and liability coverage tailored to their needs. Coverage Highlights and Advantages Property Coverage Total Insured Value (TIV) up to $5 million per location Available as monoline or package policies No coinsurance options (varies by risk) Optional enhancements, including equipment breakdown Casualty Coverage Monoline or package policy options Minimum premium starting at $500 Primary liability limits up to $5 million per occurrence/aggregate Project-specific policies available Coverage available for businesses with uninsured subcontractors Optional enhancements such as: Blanket additional insured Waiver of subrogation Primary non-contributory wording Per project/per location aggregate Hired and non-owned auto (select classes) Miscellaneous professional liability (select classes) Umbrella Coverage Limits up to $5 million Minimum premium starting at $750 Available on a supported or unsupported basis Underlying Requirements AM Best rating of A-VI or better (Auto and GL) AM Best rating of B++ or better (Employers Liability) General Liability limits: $1M/$2M/$2M Underwriting and Submission Notes Allstar makes it quick and easy to quote and bind coverage for your retail clients through its Small Business Solutions Division. Their underwriting team is responsive and knowledgeable, helping you navigate complex risks and tailor coverage with optional enhancements. Minimum premiums vary by line of coverage, starting as low as $500 for Casualty and $750 for Umbrella. Risk-specific factors will influence final terms and pricing. Territories and Availability This Retail Insurance program is available in most states, including: Alabama (AL) Georgia (GA) Louisiana (LA) Mississippi (MS) North Carolina (NC) South Carolina (SC) Tennessee (TN) Virginia (VA) Coverage is typically offered on a non-admitted basis, giving Allstar the flexibility to customize solutions for harder-to-place risks. Why Work With Allstar Financial Group? With access to multiple carriers and a strong focus on underwriting service, Allstar Financial Group is a reliable resource for agents and brokers placing retail-related risks. Their experienced team understands the unique exposures of small and mid-sized businesses and works closely with you to deliver tailored coverage options quickly and efficiently. Whether you're placing a new account or need help re-marketing a non-renewed policy, Allstar can help you deliver value to your retail clients. Frequently Asked Questions What types of accounts are a good fit for this Retail Insurance program?This program is ideal for small to mid-sized retail stores, contractors, habitational properties, office spaces, and wholesale or institutional risks. Can I get monoline coverage or does it have to be a package?Yes, both monoline and package options are available for Property and Casualty coverages, depending on the client's needs. What is the minimum premium for this program?Minimum premiums start at $500 for Casualty and $750 for Umbrella coverage, though final pricing depends on the specific risk and coverage selected. Is this program available in admitted markets?The program is offered in most states on a non-admitted basis, allowing for greater flexibility in underwriting and coverage customization. What optional coverages can be added to enhance the policy?Optional enhancements include equipment breakdown, blanket additional insured, waiver of subrogation, hired and non-owned auto, and more—availability varies by class of business. Need help placing an account? Connect with a market specialist.

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