Source: Carrier website and product data
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
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