Source: Carrier website and product data
Liberty Mutual: Landscaping & Lawn Care Insurance Appetite
Liberty Mutual 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
$3,400-$21,600
Typical annual premium
Target States
All 50 states + DC
Key Features
- Business owner's policy (BOP) covers landscaping & lawn care operations with General liability, Commercial property, Worldwide coverage
- Workers' comp for 5-30 employees with online quoting and pay-as-you-go billing
- Liberty Mutual provides inland marine covering equipment on trucks and job sites
- Liberty Mutual 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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