Liability Insurance for Lawn Care Service Professionals
GroundCover® from Brownyard Group is designed specifically for Lawn Care Service Providers and Landscape Gardeners. 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.
Eligible Risks:
- Mowing/Blowing
- Tree/hedge trimming
- Weed control
- Fertilizing/seeding
- Tree/shrub planting and spraying
- Aeration
Coverages
Lawn Care Service Providers and Landscape Gardeners 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. Call John Culotta at 1-800-645-5820 for more information about these coverages.
Brownyard’s GroundCover Program offers customized coverage featuring:
General Liability
- Professional Liability Coverage
- Care, Custody & Control Coverage
- Pesticide or Herbicide Applicator Coverage
- Incidental exposure coverage for Pest Control, Carpentry, Fence Contractors, Masonry, Tree Pruning (dependent upon underwriting review)
- Lost Key Coverage
Commercial Excess Liability
Commercial Excess 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 $10,000,000 to protect against that once-in-a-lifetime judgment.
Business Auto
The Brownyard Business Auto Program is designed especially for our General Liability clients in the Landscaping industry and 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
- Available in all US states except CA, FL, LA, MA, NV, NY, SC & WA
- Admitted in all states where offered
Commercial Property
For our General Liability clients, our Commercial Property product provides coverage for:
- Building and Business Personal Property coverage
- Business Income and Extra Expense coverage
- Tenant Glass & Sign coverage
Inland Marine
The Inland Marine Program is designed to offer Mobile Property and Electronic Data Processing (EDP) coverage to our General Liability clients.
- Written with a highly rated carrier
- Competitively priced
- Available in all US states
Applications
Commercial Property – requires ACORD forms 125 & 140
Inland Marine – requires ACORD forms 125, 146 (Equipment Floater Section) & 148 (Electronic Data Processing Section)
Send completed form(s) to:
Brownyard Group
21 Maple Avenue
Bay Shore, NY 11706
Fax: 631-666-5723
Email: info@brownyard.com
FAQs - Questions About Lawn Care Services Insurance
How do we apply for coverage?
Please ask your broker to mail, email or fax the completed required information as soon as you can. There is no need for agents and brokers to be appointed by Brownyard Group to write coverage through our program. We can usually have a quote for you within a few days.
What information is required for a quote?
- For General Liability: Completed, signed GroundCover application
- For Commercial Excess and Auto: Completed, signed Brownyard application
- For Auto, Property and Inland Marine: Completed, signed ACORD applications
- Four-year loss run information
- Detailed Resume (for clients with under three years experience in the industry)
- Copy of Broker’s License, proof of Errors & Omissions Insurance and a W-9 Form
- We will need the signed, original application to bind coverages, but no original signature is required to quote
In what states is the coverage available?
GroundCover lawn care service insurance is available in all US states except CA, LA, NV, NY & SC.
Are there minimum premiums?
Yes, our policies are subject to minimum premiums as follows:
- $300,000. Limit, $660 minimum premium.
- $500,000. Limit, $820 minimum premium.
- $1,000,000. Limit, $1,135 minimum premium.
Can I get my Business Auto Coverage at Brownyard?
Yes, Business Auto is available in all states except CA, FL, LA, MA, NV, NY, SC & WA. Call our office for details.
Does Brownyard write Property & Inland Marine coverage?
Yes. Visit the GroundCover Coverages tab for more info.
What are your carrier’s ratings?
We only write our program through the very best carriers that have ratings of A+( “Superior”) or better.
Is your Program admitted?
Our GroundCover insurance for lawn care services and landscapers program is admitted in all states except TX & WA.
Are your rates competitive?
The coverages we offer through our program are some of the broadest in the industry at reasonable prices.
Can I get a lower premium if I go directly to Brownyard without a broker and their commission?
No, we value the relationship between you and your insurance representative and encourage you to stay with a local broker for the best possible service.
Eligibility Map
Key:
Eligible States
Ineligible States