Lawn Care Services Insurance
Liability Insurance for Lawn Care Service Professionals
Who We Insure:
- Mowing/Blowing
- Tree/Hedge Trimming
- Weed Control
- Fertilizing/Seeding
- Tree/Shrub Planting and Spraying
- Aeration
Why Choose
From lawn mowing and weed control to tree planting and aeration, landscaping work carries unique exposures. GroundCover provides brokers with coverage designed specifically for these operations, helping protect accounts from everyday risks and unexpected claims.
Core Coverages Include:
- Professional Liability Coverage
- Care, Custody & Control Coverage
- Pesticide or Herbicide Applicator Coverage
- Auto Transit Pollution Liability
- Incidental exposure coverage for Pest Control, Carpentry, Fence Contractors, Masonry, Tree Pruning (dependent upon underwriting review)
- Lost Key Coverage
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 $5,000,000 to protect against that once-in-a-lifetime judgment.
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
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 and Sign coverage
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
Ready to Apply?
Submit completed applications to info@brownyard.com
Questions?
Call John Culotta at 631-666-5050 ext. 122 for more information about this program.
Commercial Property – Requires ACORD forms 125 & 140
Inland Marine – Requires ACORD forms 125, 146 (Equipment Floater Section) & 148 (Electronic Data Processing Section)
Eligibility Map
Key:
- Eligible States
- Ineligible States
FAQs - Questions About Lawn Care Services Insurance
Please ask your agent or broker to submit the completed required information as soon as you can. We can usually have a quote for you within a few days.
- For General Liability and Excess: Completed, signed GroundCover application
- For Auto: Completed, signed Brownyard & ACORD applications
- For Property and Inland Marine: Completed, signed ACORD applications
- Five-year loss run information
- We will require the original, signed application to bind coverage
There is no need for agents and brokers to be appointed by Brownyard Group to write coverage through our program. We simply require them to submit the following documents to info@brownyard.com:
- W-9 Form
- Agency/Broker License
- Proof of Errors & Omissions (E&O) Insurance – Certificate or Dec Page
- Proof of Fidelity (Crime) Insurance – Certificate or Dec Page
GroundCover® lawn care service insurance is available in all US states except CA, LA, NV, NY & SC.
Yes. Our policies are subject to minimum premiums which vary depending on the coverage limits. Our Lawn Care program starts with minimums of $660 for Commercial General Liability policies.
Yes, Business Auto is available in all states except CA, FL, LA, MA, NV, NY, SC & WA. Call our office for details.
Yes. Visit the GroundCover Coverages tab for more info.
We only write our program through the very best carriers that have ratings of A+ (“Superior”) or better.
Our GroundCover program, insurance for lawn care services and landscapers, is admitted in all states except TX & WA.
The coverages we offer through our program are some of the broadest in the industry at reasonable prices.
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.