Hiscox: Landscaping & Lawn Care Insurance Appetite

Hiscox can write landscaping & lawn care accounts but this is not a focus segment – best used when the account has other lines already placed with Hiscox or when primary markets have declined. 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

Premium Range

$4,400-$21,600

Typical annual premium

Target States

All 50 states

Key Features

General Liability Insurance covers landscaping & lawn care operations bundling GL, property, and business income
Workers' comp for 5-30 employees with online quoting and pay-as-you-go billing
Hiscox provides seasonal workforce flexibility in workers' comp billing
Hiscox provides broad completed operations coverage for plant material warranties
Online quoting available – agents can get landscaping & lawn care quotes without calling underwriting

Limitations

Landscaping & Lawn Care is not a target class for Hiscox – expect longer underwriting timelines and less flexible eligibility
Tree work (removal, trimming, topping) excluded or surcharged – requires separate tree care endorsement
Pesticide/herbicide application may require separate pollution liability depending on volume

Compare Other Carriers for Landscaping & Lawn Care

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