Source: Carrier website and product data
Auto-Owners Insurance: Landscaping & Lawn Care Insurance Appetite
Auto-Owners Insurance writes landscaping & lawn care at standard terms for clean accounts. Tree work dramatically increases GL premium — confirm with the client whether they do tree removal before quoting
Available Lines
| Line of Business |
|---|
| Business Owners Policy (BOP) |
| General Liability |
| Commercial Property |
| Workers' Compensation |
| Commercial Auto |
| Inland Marine |
Premium Range
$3,000-$18,000
Typical annual premium
Target States
26 states (Midwest, Southeast, Mid-Atlantic)
Key Features
- Contractor Insurance covers landscaping & lawn care operations with Package Discount, Waiver of Subrogation (at no additional cost), Contractors Errors & Omissions
- Workers' comp for 5-30 employees with experience mod-based pricing
- Auto-Owners Insurance provides inland marine covering equipment on trucks and job sites
- Auto-Owners Insurance provides seasonal workforce flexibility in workers' comp billing
Limitations
- Tree work (removal, trimming, topping) excluded or surcharged — requires separate tree care endorsement
- Pesticide/herbicide application may require separate pollution liability depending on volume
- Heavy excavation or grading work beyond standard landscaping is typically declined
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