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

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