U.S. Risk Insurance Group, Inc. offers a flexible and competitive Workers Compensation Insurance program for landscaping businesses through its UPA division. Partnering with an A-rated carrier, this program is specifically designed to help agents and brokers place business for clients in the landscaping industry, including new ventures and those transitioning from PEOs.
Ideal Accounts and Appetite
This program targets a broad range of landscaping operations, including lawn care, tree trimming, and general landscape maintenance. It is especially well-suited for accounts with crews operating below 20 feet in height and less than 6 feet underground. Businesses that utilize group transportation (limited to five employees per vehicle) are also eligible.
Eligible accounts include:
- Start-up landscaping companies with no prior coverage
- Established landscapers exiting a PEO arrangement
- Operations with 24-hour shift work exposure (with no additional high-risk exposures)
Coverage Highlights and Advantages
This Workers Comp program offers both guaranteed cost and dividend plan options (dividend plans are available in Florida). U.S. Risk provides value-added services such as online loss runs to streamline servicing and help agents support their clients.
Key features include:
- Flexible payment options: UPAY-As-You-Go, Direct Bill, and Monthly Self Reporting with a 5% non-working deposit
- No maximum experience modifier
- PEO carve-outs available with appropriate documentation
- No cap on premium — ideal for both small and growing operations
Underwriting Notes and Minimum Premiums
- Minimum premium of $3,000; no maximum premium limit
- New ventures accepted
- Accounts with a lapse in coverage require underwriting review
- Height exposure limited to 20 feet above ground, 6 feet below ground
- Ineligible risks include domestic, aviation, and federal exposures, as well as insureds with tax liens or bankruptcies
Territories and Availability
This program is available in most states, including but not limited to TX, FL, GA, CA, NY, NC, and IL. However, coverage is limited or incidental in California and Oklahoma and cannot be used as the governing state in those jurisdictions. All available states are admitted.
Why Work With U.S. Risk Insurance Group, Inc.
As a trusted Managing General Agency, U.S. Risk brings industry-specific expertise and strong carrier relationships to help agents secure competitive Workers Comp solutions for landscaping clients. Their deep understanding of the exposures specific to the landscaping industry and commitment to streamlined service make them a reliable partner in this niche market.
Whether you're helping a new landscaping business secure its first policy or assisting an established operation leaving a PEO, U.S. Risk provides the underwriting flexibility and support you need to write and retain this business.