Source: Carrier website and product data
Pie Insurance: Landscaping & Lawn Care Insurance Appetite
Pie Insurance has strong appetite for landscaping & lawn care accounts. Fully digital quoting and binding process – Pie 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 |
Premium Range
$1,200-$5,400
Typical annual premium
Target States
37 states + DC
Key Features
- Business Owner’s Policy (BOP) covers landscaping & lawn care operations with Commercial Property Insurance, Commercial Liability Protection, Business Interruption Insurance
- Workers' comp for 5-30 employees with online quoting and pay-as-you-go billing
- Pie Insurance offers seasonal workforce flexibility in workers' comp billing
- Pie Insurance offers broad completed operations coverage for plant material warranties
- Online quoting available – agents can get landscaping & lawn care quotes without calling underwriting
Limitations
- No commercial auto available – must be placed separately for landscaping & lawn care accounts with vehicles
- Tree work (removal, trimming, topping) excluded or surcharged – requires separate tree care endorsement
- Pesticide/herbicide application may require separate pollution liability depending on volume
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