When most people think about landscaping contractors, golf course construction probably isn’t the first operation that comes to mind.
But before a new course is ready for its first round, significant site preparation and landscaping work has to happen—and specialized contractors may travel across the country to perform it.
That’s the business model behind another recent LandPro placement.
The Account: Preparing Golf Courses Nationwide
This specialty contractor works on the preparation of new golf courses, with operations that include grading and sodding.
Unlike a contractor serving customers within a single city or state, this business follows its projects across state lines and performs work in multiple locations nationwide.
That geographic footprint was an important consideration for the account.
The contractor needed an insurance solution that could accommodate the states where it actually operates rather than one that worked only within a limited territory.
Looking Beyond a Single State
LandPro was able to consider all of the states where the contractor operates.
That allowed the underwriting team to evaluate the contractor based on the full scope of its business rather than approaching individual states as isolated pieces of the operation.
The account was ultimately written with General Liability and Commercial Auto coverage.
While there were no estimated premium savings associated with the placement, the value of the solution was elsewhere: providing coverage that contemplated the contractor’s multi-state operating footprint.
What This Means for Brokers
This account highlights two important aspects of the LandPro appetite.
First, landscaping is an incredibly diverse industry. A specialty contractor performing grading and sodding for new golf courses looks very different from a traditional landscape maintenance company, but its operations still sit within the larger landscaping ecosystem that LandPro understands.
Second, geography matters.
Contractors don’t always stay within one state, particularly those working on specialized commercial projects. A business may follow projects throughout a region or, as in this case, across the country.
For brokers, multi-state operations can add another consideration when searching for a market. But they don’t necessarily mean the account isn’t a possible fit for LandPro.
This recent placement demonstrates why it’s worth sharing the full story of an account with our underwriting team—including what the contractor does, where it works and how its operations fit together.
The more specialized the business, the more valuable that complete picture can become.
Have a landscaping contractor with specialized or multi-state operations? Talk to the LandPro team about your next submission.
