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
Brownyard Commercial Excess & Umbrella Liability Application Download
Brownyard Auto Application (also requires ACORD forms 125, 127, 129 and 137) Download