Source: Carrier website and product data
The Hartford: Landscaping & Lawn Care Insurance Appetite
The Hartford explicitly targets arborists & landscaping (large and small) as a focus segment. 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
48 states + DC (excludes AK, HI)
Key Features
- Spectrum® Business Owner's Policy covers landscaping & lawn care operations with General Liability, Commercial Property, Business Income Insurance
- Workers' comp for 5-30 employees with online quoting and pay-as-you-go billing
- The Hartford offers seasonal workforce flexibility in workers' comp billing
- The Hartford 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
$3,000-$18,000
$3,400-$21,600
$3,400-$21,600
$4,400-$21,600
$3,000-$18,000
$1,200-$5,400
$3,000-$18,000
$3,000-$18,000
$3,000-$18,000
$3,000-$18,000
$3,000-$18,000
$1,200-$5,400
$3,400-$21,600
$3,400-$21,600
$4,200-$27,000
$3,400-$21,600
$3,400-$21,600
$3,000-$18,000
$3,000-$18,000
$3,400-$21,600
$3,000-$18,000
$3,400-$21,600
$3,400-$21,600
$3,000-$18,000
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote