Selective Insurance: Landscaping & Lawn Care Insurance Appetite

Selective Insurance 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

Premium Range

$3,400-$21,600

Typical annual premium

Target States

25 states (Northeast, Mid-Atlantic, Southeast, Midwest)

Key Features

Business Owners Policy (BOP) covers landscaping & lawn care operations with Business liability insurance, Property damage coverage, Business interruption insurance
Workers' comp for 5-30 employees with online quoting and pay-as-you-go billing
Selective Insurance provides seasonal workforce flexibility in workers' comp billing
Selective Insurance provides 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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