Lawn Care Service Professionals

GroundCover® from Brownyard Group is designed specifically for Landscape Gardeners and Lawn Care Service Providers. Based on our extensive experience insuring landscapers as an exposure within our market-leading PCOpro pest control program, we created GroundCover to serve the specialized liability, auto and property insurance needs of lawn care professionals.


Landscape Gardeners and Lawn Care Service Professionals face a complex web of insurance risks that vary from region to region and year to year. With GroundCover, Brownyard strives to provide the right combination of coverages that give hard-working professionals protection and peace of mind.

Eligible Risks:

  • Mowing/Blowing
  • Tree/hedge trimming
  • Weed control
  • Fertilizing/seeding
  • Tree/shrub and planting and spraying
  • Aeration

Program Features:

  • Commercial General Liability
  • Commercial Excess & Umbrella Liability
  • Business Auto
  • Commercial Property & Inland Marine Coverage
  • Written through admitted carriers, rated “Superior” by A.M. Best
  • Available on an admitted basis in all states (except CA, LA, NV & SC)
  • Expert claims handling

Coverage Highlights:

  • Care, Custody & Control Coverage
  • Professional Liability Coverage
  • Pesticide or Herbicide Applicator Coverage
  • Incidental exposure coverage for Pest Control, Carpentry, Fence Contractors, Masonry, Tree Pruning, etc.
  • Blanket Additional Coverage
  • Lost Key Coverage

Commercial Excess & Commercial Umbrella Liability

Excess and Commercial Umbrella Liability Coverage can be tailored to meet your specific needs and exposures. In general, these products are:

  • Licensed and admitted in most states.
  • Available with limits up to $5,000,000 to protect against that once-in-a-lifetime judgment.

Business Auto

The Brownyard Business Auto product is designed especially for the pest control industry. It is:

  • Available with Liability limits as low as state minimums and as high as $1,000,000 CSL.
  • Written with a highly rated carrier.
  • Competitively priced, with no minimum premium.
  • Available in all US states and territories, except Puerto Rico.
  • Admitted in all states.

Commercial Property

For our Brownguard General Liability clients, the Commercial Property product provides:

  • Building and Business Personal Property coverage.
  • Business Income and Extra Expense coverage.
  • The backing of a highly rated carrier.
  • Competitive premiums.
  • Coverage is available in most states.

Inland Marine

  • The Inland Marine product is designed to offer Mobile Property and Electronic Data Processing (EDP) coverage to our Brownguard General Liability clients. We write this program with a highly rated carrier and our premiums are highly competitive. Coverage is available in most states.



GroundCover Application Download
Commerical Property Application (ACORD 140) Download
Equipment Floater Application (ACORD 146) Download
Electronic Data Processing Application (ACORD 148) Download
Business Auto Application (ACORD 127) Download
Brownyard Commercial Excess & Umbrella Liability Application Download
Vehicle Schedule (ACORD 129) Download
Brownyard Auto Application (also requires ACORD forms 125, 127, 129 and 137) Download