Erie Insurance: Landscaping & Lawn Care Insurance Appetite

Erie 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

12 states: DC, IL, IN, KY, MD, NC, NY, OH, PA, TN, VA, WV, WI

Key Features

ErieSecure Business® covers landscaping & lawn care operations with Guaranteed Replacement Cost (optional), Sewer or Drain Backup, Data Breach Response Expenses (add-on)
Workers' comp for 5-30 employees with online quoting and pay-as-you-go billing
Erie Insurance provides inland marine covering equipment on trucks and job sites
Erie Insurance provides seasonal workforce flexibility in workers' comp billing
Online quoting available – agents can get landscaping & lawn care quotes without calling underwriting

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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