The Hanover: Landscaping & Lawn Care Insurance Appetite

Available Lines

Key Features

• Business Owner's Advantage (BOA) covers landscaping & lawn care operations with Loss of income and extra expense, Data breach coverage, Property insurance
• Workers' comp for 5-30 employees with online quoting and pay-as-you-go billing
• The Hanover provides seasonal workforce flexibility in workers' comp billing
• The Hanover provides broad completed operations coverage for plant material warranties
• 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