Landscape Contractors General Liability Insurance

CIS - Construction Insurance Solutions

Easy & fast insurance solution for landscape contractors
General Liability & Umbrella Insurance

Norman-Spencer Agency, Inc. offers this Landscape Contractors General Liability Insurance program through our Construction Insurance Solutions (CIS) platform. Built for residential and commercial artisan contractors in the Green Industry—landscaping, lawn care, hardscape and irrigation—this program pairs broad general liability with umbrella options to help agents place routine maintenance and installation risks efficiently.

Ideal Accounts and Appetite

This program targets a wide range of landscape contracting operations, including:

• Residential and commercial landscape maintenance contractors
• Lawn care providers and turf management contractors
• Landscape design and installation firms
• Hardscape and irrigation system contractors

The appetite includes solo contractors through multi-crew operations. It is a good fit for accounts operating in construction-defect states (for example, California and other western states) that need robust liability protection and flexible endorsement options.

Coverage Highlights and Advantages

The CIS Landscape Contractors program delivers comprehensive liability protection for third-party bodily injury and property damage exposures. Key features include:

• A+ rated carrier backing
• $1,000,000 per occurrence / $2,000,000 aggregate
• $1,000,000 products aggregate
• $50,000 fire damage legal liability
• $5,000 medical expense
• $2,500 minimum property damage deductible per occurrence

Special Extensions Available

• Blanket Additional Insured – full products coverage
• Per Job Aggregate limits
• Blanket Waiver of Subrogation
• Employer Benefits Liability
• Labor Reimbursement
• Limited Worksite Pollution Liability Umbrella
• Umbrella limits up to $25,000,000 (submit for quote)

Underwriting Notes and Submission Requirements

To help underwriting move quickly, include the following with submissions:

• ACORD applications
• Signed supplemental application (insured and agent)
• 3–5 years of currently valued loss runs (detail losses over $10,000)
• 2-year job list
• Expiring declarations page and rating worksheet

The program operates on an open distribution model and is underwritten by a national non-admitted XV+ carrier. Provide complete documentation to avoid delays on quoted terms.

Territories and Availability

This program is available in all U.S. states except Hawaii. Submissions from Illinois and New York are handled on a referral basis—contact underwriting for state-specific acceptance criteria.

Why Work With Norman-Spencer on This Business

Norman-Spencer Agency has decades of experience placing specialty contractor risks. Through CIS we provide independent agents with competitive solutions, quick, practical underwriting guidance, and access to multiple carrier capacity. Our team is accustomed to the nuances of the Green Industry and can help package endorsements (additional insureds, waivers, per-job aggregates) commonly required on contractor accounts.

Example scenarios you can place through this program:

• A multi-crew landscape installation firm performing residential hardscape and irrigation with routine subcontracted labor needing blanket additional insured and waiver of subrogation.
• A lawn-care company providing weekly maintenance and pesticide application seeking primary general liability with umbrella follow-form limits.

Visit www.norman-spencer.com to review Norman-Spencer's full suite of construction and trades programs.