StandardVerified Q1 2026
Source: USLI — Products
USLI: Lawn Care and Janitorial Services Insurance Appetite
USLI writes lawn care and janitorial as a standard class with clear size limits. These are small-commercial classes where many carriers do not have dedicated programs. USLI fills a gap for agents who need GL/BOP for service businesses that are too small for mid-market carriers. Pair with a WC specialist like Employers or Pie Insurance.
Available Lines
| Line of Business |
|---|
| General Liability |
| Business Owners Policy (BOP) |
| Commercial Property |
| Umbrella/Excess |
| Inland Marine |
Premium Range
$1,000-$8,000
Typical annual premium
Target States
All 50 states
Key Features
- GL and BOP for lawn care, landscaping, and janitorial operations
- Inland marine for tools and equipment
- Janitorial operations up to 20 workers eligible
- Lawn care operations with sales under $500K eligible
- National availability
Limitations
- Janitorial maximum 20 workers
- Lawn care sales must be under $500K
- No workers' compensation — must be placed separately
- No commercial auto — vehicle coverage placed separately
- Tree removal and arborist work may face additional restrictions