Source: Carrier website and product data
Insureon: Landscaping & Lawn Care Insurance Appetite
Insureon explicitly targets landscaping as a focus segment. As a marketplace, Insureon can access multiple carrier panels — helpful when the landscaping & lawn care account has unusual exposures that standard markets decline. 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
All 50 states + DC
Key Features
- General Liability Insurance covers landscaping & lawn care operations bundling GL, property, and business income
- Workers' comp for 5-30 employees with experience mod-based pricing
- Insureon offers inland marine covering equipment on trucks and job sites
- Insureon offers 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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