Landscaping Contractors Insurance
LandPro is the recognized leader for landscapers and lawn care specialist insurance and has the broadest appetite for risk.
| Class Code | Description |
|---|---|
| 97047 | Landscape Gardening |
| 97050 | Lawn Care Services |
Eligible Risks
- Landscape Contractors
- Landscape Gardening
- Lawn Care Services
- Lawn Sprinkler Services
- Spraying Operations
- Sprinkler and Irrigation Installation and Repair
- Pesticide Applicators (non-aerial)
- Classes with 25% (or greater) application of lawn and tree pesticides, herbicides, and fertilizers
- Program is admitted and written in all states
Minimum Package Premium
$10,000
Why Work With NIP Group?
- 35 years of Green Industry experience
- Carrier Rated A+ (Superior), Financial Size XV by A.M. Best
- Green Industry experts for risk control guidance and proper valuation of your landscaping client’s operations, property and equipment
- Specialized Coverages Not Available Through Typical Products
- Competitive Rates & Flexible Payment Plans
- Superior Customer Service & Expert Claims Handling
- World-Class Risk Control Services
Coverages
- General Liability (limits up to $1M per occurrence/$2M aggregate)
- Auto Liability (limits up to $1M per occurrence)
- Property (limits up to $1M)
- Inland Marine (limits up to $1M)
- Umbrella Liability (limits up to $5M)
- Crime (limits up to $100K)
- Contractors Pollution Liability
- Employment Practices Liability
- Cyber Liability
- Workers’ Compensation (Statutory Limits)
Tree Care Services & Utility Line Clearance Insurance
Tree Care Services & Utility Line Clearance companies are faced with many challenges, not the least of which is managing complex risk and insuring themselves against loss.
| Class Code | Description |
|---|---|
| 99777 | Tree Services |
Eligible Risks
- Tree Pruning & Removal
- Tree Spraying
- Plant Health Care
- Landscape Gardening
- Lawn Care
- Irrigation (Sprinkler) Installation
- Snow & Ice Removal
- Subcontracted Work
- Program is admitted and written in all states
Minimum Package Premium
$10,000
Why Work With NIP Group?
- 35 years of industry experience
- Carrier Rated A+ (Superior), Financial Size XV by A.M. Best
- Industry experts for risk control guidance and proper valuation of your client’s operations, property and equipment
- Specialized Coverages Not Available Through Typical Products
- Competitive Rates & Flexible Payment Plans
- Superior Customer Service & Expert Claims Handling
- World-Class Risk Control Services
Coverages
- General Liability (limits up to $1M per occurrence/$2M aggregate)
- Auto Liability (limits up to $1M per occurrence)
- Property (limits up to $1M)
- Inland Marine (limits up to $1M)
- Umbrella Liability (limits up to $5M)
- Crime (limits up to $100K)
- Contractors Pollution Liability
- Employment Practices Liability
- Cyber Liability
- Workers’ Compensation (Minimum Premium of $50,000)
Greenhouse & Nursery Growers Insurance
GrowPro is the leading Greenhouse insurance program available to agents and brokers offering coverage for greenhouse growers, nurseries, retail garden centers, hydroponic farms or any combination.
| Class Code | Description |
|---|---|
| 15699 | Nursery/Garden |
Eligible Risks
- Greenhouse Growers
- Nurseries/Nursery Growers
- Garden Centers
- Hydroponic & Aquaponic Growers
- Hemp (Property & Auto coverage)
- Program is admitted and written in all states
Minimum Package Premium
$10,000
Why Work With NIP Group?
- The Green Industry Experts For More Than 35 Years
- Carrier Rated A+ (Superior), Financial Size XV by A.M. Best
- Specialized Coverages Not Available Through Typical Products
- World-Class Risk Control Services
- Expert Claims Handling
- Flexible Payment Plans
- Competitive Rates
- Superior Customer Service
Coverages
- General Liability – Premises and Operations (limits up to $1M per occurrence/$2M aggregate)
- Auto Liability (limits up to $1M per occurrence/$2M aggregate)
- Property, including Equipment Breakdown (limits up to $15M per location)
- Product Liability (limits up to $2M)
- Umbrella Liability (limits up to $15M)
- Contractors Pollution Liability
- Employment Practices Liability
- Cyber Liability
- Workers’ Compensation (Statutory Limits)
Grading & Excavation Contractors Insurance
SitePro® is a specialty insurance program designed specifically to service grading & excavation contractors.
| Class Code | Description |
|---|---|
| 94007 | Excavation |
| 95410 | Grading of land |
Eligible Risks
- Excavation Contractors
- Site Preparation Contractors
- Land Improvement Contractors
- Grading of Land Contractors
- Program is admitted and written in all states
Minimum Package Premium
$25,000
Why Work With NIP Group?
- Excavation Industry experts for risk control guidance and proper valuation of your client’s operations, property and equipment
- Specialized Coverages Not Available Through Typical Insurance Products
- ISO-Based Program
- Carrier Rated A+ (Superior), Financial Size XV by A.M. Best
- Accounts rated off payroll (and sub costs, where applicable)
- Competitive Rates & Flexible Payment Plans
- Superior Customer Service & Expert Claims Handling
Coverages
- General Liability – Premises and Operations (limits up to $1M per occurrence, $2M general aggregate, $2M products completed operations aggregate)
- Auto Liability & Physical Damage ($1M combined single limit)
- Property (limits up to $3M total insured value)
- Inland Marine (limits up to $3M)
- Umbrella Liability
- Contractors Pollution Liability
- Employment Practices Liability
- Cyber Liability
- Workers’ Compensation (Statutory Limits)
Paving & Road Contractors Insurance
SitePro® is a specialty insurance program designed specifically to service Paving & Road Contractors.
| Class Code | Description |
|---|---|
| 99321 | Street / Road Paving |
| 92215 | Paving |
Eligible Risks
- Paving Contractors
- Roadway Striping Contractors
- Program is admitted and written in all states
Minimum Package Premium
$25,000
Why Work With NIP Group?
- Excavation Industry experts for risk control guidance and proper valuation of your client’s operations, property and equipment
- Specialized Coverages Not Available Through Typical Insurance Products
- ISO-Based Program
- Carrier Rated A+ (Superior), Financial Size XV by A.M. Best
- Accounts rated off payroll (and sub costs, where applicable)
- Competitive Rates & Flexible Payment Plans
- Superior Customer Service & Expert Claims Handling
Coverages
- General Liability – Premises and Operations (limits up to $1M per occurrence, $2M general aggregate, $2M products completed operations aggregate)
- Auto Liability & Physical Damage ($1M combined single limit)
- Property (limits up to $3M total insured value)
- Inland Marine (limits up to $3M)
- Umbrella Liability
- Contractors Pollution Liability
- Employment Practices Liability
- Cyber Liability
- Workers’ Compensation (Statutory Limits)
Utility Contractor Insurance
UtilityProTM is a customized program developed to provide insurance for Utility Contractors.
Eligible Risks
- Power line transmission and distribution
- Communication line construction maintenance
- Water, sewer, and gas line construction operations
- Utility Line Clearance (Offered through TreePro)
- Right-of-way clearing
- Maintenance of existing right-of-ways
- Vegetation management contractors
- Subcontracted Work
- Program is admitted and written in California & nationwide
Why Work With NIP Group?
- Utility Contractor Industry Experts for Expert Risk Control Guidance and Proper Valuation of Your Client’s Operations
- Specialized Coverages Not Available Through Typical Insurance Products
- Carrier Rated A+ (Superior) Financial Size XV by A.M. Best
- Competitive Rates & Flexible Payment Plans
- Superior Customer Service and Expert Claims Handling
Coverages
- General Liability (limits up to $25M)
- Wildfire Liability (limits up to $25M)
- Auto Liability
- Property
- Inland Marine
- Excess Liability (limits up to $25M)
- Umbrella Liability
- Wildfire Liability Protection (Including California)
- Crime
- Contractors Pollution Liability
- Employment Practices Liability
- Cyber Liability
- Workers’ Compensation
Pool Contractor Insurance
PoolProTM is a customized program developed to provide insurance for Pool Construction and Maintenance Contractors.
Eligible Risks*
- Above Ground Swimming Pool Installation, Servicing or Repair
- Below Ground Swimming Pool Installation, Servicing or Repair
- Spa and Hot Tub Installation, Servicing or Repair
- Pool Plasters
- Pool, Spa, and Hot Tub Distributors (*Incidental to pool construction)
- Pool, Spa, and Hot Tub Retail Stores (*Incidental to pool construction)
*Must represent over 80% of payroll
Minimum Package Premium
$25,000
Why Work With NIP Group?
- Carrier rated A+ (Superior), Financial size XV by A.M. Best
- Specialized Coverages Not Available Through Typical Products
- World-Class Risk Control Services
- Expert Claims Handling
- Competitive Rates and Flexible Payment Plans
- Superior Customer Service
- Pool Industry experts for risk control guidance and proper valuation of your clients operations, property and equipment
Coverages
- General Liability
- Errors & Omissions
- Auto Liability
- Property
- Inland Marine
- Umbrella/Excess Liability
- Equipment Breakdown
- Contractors Pollution Liability
- Employment Practices Liability
- Cyber Liability
- Workers’ Compensation
Liquid Petroleum Gas Distributors Insurance
PropaneProTM is a customized program tailor-made to provide insurance for Liquid Petroleum Gas Distributors.
Eligible Risks
- Gas dealers – LPG
- Gas distributors – LPG
- Heating or combined heating and air conditioning systems or equipment
- Appliance stores
Program is available initially in Maine, Pennsylvania, West Virginia, North Carolina, Tennessee, Kentucky, Missouri, Arkansas, Indiana, Michigan, Minnesota, Iowa, South Dakota, New Mexico, Arizona, Utah, Nevada, Washington, and Oregon with more states coming soon.
Minimum Package Premium
$25,000
Why Work With NIP Group?
- Carrier rated A- (excellent), Financial size XV by A.M. Best
- Specialized coverages built specifically for the LPG distributor industry
- Tailored risk control services
- Best-in-class claims handling
- Competitive rates and flexible payment plans available
- Superior customer service
- LPG industry experts for risk control guidance and proper valuation of your clients’ operations, property, and equipment
Coverages
- General liability
- Commercial auto
- Excess liability
- Workers’ compensation
- Property
- Inland marine
Interior Plantscaping Insurance
PlantScapePro is a specialty insurance program designed specifically for contractors providing indoor plantscaping and landscape installation.
Eligible Risks
- 25% or more indoor plant maintenance or indoor landscape
- Installation/construction including living wall features and rooftop landscapes/green roofs
- Program is admitted and written in all states
Minimum Package Premium
$10,000
Why Work With NIP Group?
- Industry experts for risk control guidance and proper valuation of your client’s operations, property and equipment
- Carrier Rated A+ (Superior) Financial Size XV by A.M. Best
- Competitive Rates
- Attractive Commissions
- Superior Customer Service and Expert Claims Handling
- Flexible Payment Plans
Coverages
- General Liability ($1M per occurrence/$2M aggregate)
- Business Auto Liability ($1M combined single limit)
- Property
- Inland Marine
- Umbrella Liability
- Crime
- Contractors Pollution Liability
- Employment Practices Liability
- Cyber Liability
- Workers’ Compensation (Statutory Limits)
City & Town Insurance
CivicPro is a national insurance program designed specifically for U.S. Cities & Towns serving 100,000 or more in population.
Eligible Risks
- U.S. Cities & Towns
- Minimum Self-insured Retentions
- $50,000 Per Occurrence/claim
- Minimum Package Premium: $100,000
Why Work With NIP Group?
- Designed for cities with more than 100,000 in population
- Broad coverage form
- “A” rated insurer
- Flexible SIR levels and loss corridor deductibles
- Multi-line clash coverage
- All lines aggregate coverage
- City maintains choice of claims TPA and legal counsel
- Flexible rating plans (fixed and loss sensitive rates)
Coverages
- General liability
- Auto Liability
- Law Enforcement Liability
- Public Officials including EPLI
- Employee Benefits Liability
- Property Liability
- Cyber Liability
- Workers’ Compensation (statutory limits)
- Crime up to $1M
- Full limits built through structured excess placements with other “A” rated insurers
School Insurance
StudyPro is a specialty insurance program designed specifically to meet the specialized needs of larger K-12 public school districts with student enrollment of more than 5,000 (including smaller districts situated in cities).
Eligible Risks
Designed for larger K-12 public school districts with student enrollment of more than 5,000, as well as smaller districts situated in cities.
Minimum Self-Insured Retentions
$50,000 per Occurrence/Claim
Minimum Package Premium
$125,000
Why Work With NIP Group?
- National program
- Financial stability backed by “A” rated insurer
- Superior customer service & expert claims handling
- 35 years of industry experience
- World-class risk control services
Coverages
- General Liability
- Auto Liability
- Educators Legal Liability
- Sexual Abuse and Molestation Liability
- Employment Practices Liability
- Employment Benefits Liability
- Workers Compensation
- Cyber Liability
- Disaster Management
- Property up to $250M
- Workers’ Compensation (statutory limits)
- Crime up to $1M