NEXT Insurance: Landscaping & Lawn Care Insurance Appetite

NEXT Insurance explicitly targets contractors (plumbing, electrical, hvac, handyman, landscaping) as a focus segment. Fully digital quoting and binding process – NEXT Insurance's platform is designed for fast turnaround on small landscaping & lawn care 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

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 with Tools & Equipment upgrade available
Workers' comp for 5-30 employees with online quoting and pay-as-you-go billing
NEXT Insurance offers seasonal workforce flexibility in workers' comp billing
NEXT Insurance offers 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

Compare Other Carriers for Landscaping & Lawn Care

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