Source: Carrier website and product data
BTIS: Landscaping & Lawn Care Insurance Appetite
BTIS explicitly targets landscaping as a focus segment. As an MGA, BTIS can access multiple carrier panels — helpful when the landscaping & lawn care account has unusual exposures that standard markets decline. 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
Most states (varies by carrier)
Key Features
- Best Choice Contractor General Liability covers landscaping & lawn care operations with Blanket Additional Insured (WOS & Primary/Non-Contributory)
- Workers' comp for 5-30 employees with experience mod-based pricing
- BTIS offers inland marine covering equipment on trucks and job sites
- BTIS offers 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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