Insurance built for landscaping and lawn care operators.

Because a standard general liability policy excludes pollution — and on the lawn care side, the chemistry is part of the work. A herbicide, pesticide, or fertilizer can be misapplied, drift onto a neighboring property or garden, overspray where it should not, or run off after a treatment. The resulting damage and cleanup fall outside general liability. Pollution liability is the line built to respond to exactly those chemical-application events.

Yes — that is core general liability territory. A rock thrown from a mower deck through a window or a parked car, a trimmer that chips siding, or a crew that damages a customer’s structure during a build is third-party property damage general liability is built to respond to. The chemical-drift exposure is the piece general liability does not reach — that runs to pollution liability.

Through contractors equipment coverage — an inland-marine line — yes. Your mowers, skid steers, blowers, trimmers, and the trailers and tools you haul between job sites are your biggest asset, and they move around in a way a policy tied to a fixed address does not follow. Contractors equipment covers that gear at the shop, in transit, and on the job site, including theft from a trailer or a site.

Workers comp follows your payroll, so the state a crew member is physically working in matters as much as the state you are based in. A crew living in one state and servicing accounts in another can trigger requirements in both. We structure comp for multi-state payroll and flag the four monopolistic states — North Dakota, Ohio, Washington, and Wyoming — where private carriers cannot write comp at all and coverage comes only through the state fund.

Property managers, HOAs, and municipal or commercial contracts set their own requirements, but they typically ask for general liability, commercial auto, and workers compensation, often with an umbrella to reach higher limits, plus certificates of insurance naming them as additional insured. The exact limits vary by contract. We help build a program that meets those requirements and turn certificates around so a coverage gap does not cost you an account.

There is no single price, because premium is driven by your specific operation. The biggest factors are your payroll and crew classifications, your mix of design/build versus maintenance versus chemical-application versus irrigation work, your chemical and pollution exposure, the size of your fleet and equipment, and your claims history. A mowing-route operation looks very different to an underwriter than a design/build firm trenching irrigation. We price to the real risk rather than a generic guess.