Source: Carrier website and product data
Coterie Insurance: Landscaping & Lawn Care Insurance Appetite
Coterie Insurance explicitly targets landscape and janitorial services as a focus segment. Fully digital quoting and binding process – Coterie Insurance's platform is designed for fast turnaround on small landscaping & lawn care 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 |
Premium Range
$3,000-$18,000
Typical annual premium
Target States
All 50 states + DC
Key Features
- Coterie Business Owner's Policy (BOP) covers landscaping & lawn care operations with $10,000 Accounts Receivable, $5,000 Business Income from Dependent Properties, $10,000 Business Personal Property in Storage
- Coterie Insurance offers broad completed operations coverage for plant material warranties
- Online quoting available – agents can get landscaping & lawn care quotes without calling underwriting
Limitations
- No commercial auto available – must be placed separately for landscaping & lawn care accounts with vehicles
- No workers' compensation available – agents need a separate WC carrier for landscaping & lawn care employees
- Tree work (removal, trimming, topping) excluded or surcharged – requires separate tree care endorsement
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