Commercial landscaping encompasses a much broader range of operations than traditional lawn care and maintenance.
Some contractors specialize in large-scale installations. Others work extensively with municipalities, educational institutions or commercial property owners. And those differences can matter when a broker is looking for the right insurance solution.
One recent LandPro account demonstrates exactly why.
The Account: Commercial Turf Installation
This specialized turf installation contractor works with a diverse commercial client base that includes school districts, municipal parks and commercial campuses in Nevada.
Rather than focusing on residential lawn care, the contractor’s operations center around commercial turf installation for organizations and properties with larger-scale landscaping needs.
That client mix was also one of the reasons the account had been challenging for the agent to place.
The question wasn’t simply whether the company performed landscaping work. The insurer also needed to be comfortable with the types of customers and properties where that work was being performed.
Understanding the Commercial Client Base
LandPro’s underwriting team was able to consider the contractor’s full range of commercial customers as part of its evaluation of the account.
That distinction matters.
A commercial turf installer serving school districts, municipalities and commercial campuses operates differently from a traditional residential landscaping company. Looking at the actual scope of the business provides a much clearer picture than relying on a broad “landscaper” classification alone.
In this case, LandPro was ultimately able to provide a solution across all lines of coverage.
The new placement also resulted in approximately $15,000 in estimated premium savings for the insured.
What This Means for Brokers
The account is a good example of why specialized landscaping businesses deserve specialized consideration.
Commercial and municipal work can sometimes make brokers hesitant to approach a market, particularly when they’ve encountered appetite limitations elsewhere. But the presence of these clients doesn’t necessarily mean an account isn’t worth submitting to LandPro.
Instead, our underwriting team wants to understand what the contractor actually does and the nature of the operation.
For brokers, that’s an important distinction when locating potential LandPro opportunities.
One landscaping contractor may work with school districts while, the second may maintain municipal properties, while a third performs specialized turf installations on commercial campuses. The details behind those operations can matter considerably when determining fit.
This recent placement demonstrates LandPro’s ability to consider landscaping contractors with specialized commercial operations and client relationships.
Have a commercial landscaping account that hasn’t fit neatly into another market’s appetite? Send it to LandPro for consideration.
