Source: Carrier website and product data
Cincinnati Financial: Landscaping & Lawn Care Insurance Appetite
Cincinnati Financial writes landscaping & lawn care at standard terms for clean accounts. Cincinnati Financial's underwriting targets well-established landscaping & lawn care businesses with strong financials and clean loss history. Premium reflects broader coverage and higher carrier financial strength. 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
$3,400-$21,600
Typical annual premium
Target States
44 states
Key Features
- Three-Year Commercial Package Policy covers landscaping & lawn care operations with Rate lock for 3 years
- Workers' comp for 5-30 employees with experience mod-based pricing
- Cincinnati Financial provides inland marine covering equipment on trucks and job sites
- Cincinnati Financial 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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