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?
- 30 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?
- 30 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 $10,000)
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)
HVAC Contractors Insurance
HVACPro® was developed specifically for HVAC contractors that design, build and service heating, cooling, and ventilation systems.
| Class Code | Description |
|---|---|
| 95647 | HVAC |
Eligible Risks
- AC Systems, Refrigeration Systems, Heating or HVAC Sales, Install, Service, Repair, Sheet Metal Contractors
- Program is admitted in all states
Minimum Package Premium
$25,000
Why Work With NIP Group?
- ISO-Based, Admitted Package Product
- Carrier Rated A+ (Superior) Financial Size XV by A.M. Best
- Highly Competitive Rates
- Superior Customer Service
Coverages
- General Liability – Premises and Operations (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)
Painters Insurance
PaintingPro specifically provides customized and comprehensive insurance for commercial painting and paperhanging contractors.
Eligible Risks
- Interior Painting Contractors
- Program is admitted and written in all states
Minimum Package Premium
$25,000
Why Work With NIP Group?
- Carrier Rated A (Excellent), Financial Size XV by A.M. Best
- ISO-Based Program
- Competitive Rates
- Superior Customer Service
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)
Plumbers Insurance
PlumbingPro® provides all-lines coverage (including Workers’ Comp and Umbrella) and many coverage enhancements tailored specifically for plumbing contractors insurance.
| Class Code | Description |
|---|---|
| 98483 | Plumbing - Residential |
Eligible Risks
- Commercial Plumbing Contractors
- Program is admitted and written in all states
Minimum Package Premium
$25,000
Why Work With NIP Group?
- ISO-Based, Admitted Package Product
- Carrier Rated A+ (Superior) Financial Size XV by A.M. Best
- Highly Competitive Rates
- Superior Customer Service
Coverages
- General Liability – Premises and Operations (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)
Electrical Contractors Insurance
PowerPro® provides general liability insurance all-lines coverage (including Workers’ Comp and Umbrella) for electrical contractors and many coverage enhancements tailored specifically to the specific insurance needs of commercial electricians and contractors dealing in the installation, service and repair of electrical apparatuses.
| Class Code | Description |
|---|---|
| 92478 | Electrical Work |
Eligible Risks
- Commercial Plumbing Contractors
- Program is admitted and written in all states
Minimum Package Premium
$25,000
Why Work With NIP Group?
- ISO-Based, Admitted Package Product
- Carrier Rated A+ (Superior) Financial Size XV by A.M. Best
- Highly Competitive Rates
- Superior Customer Service
Coverages
- General Liability – Premises and Operations (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)
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 30 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)
Glass Fabrication, Glazing & Installation Insurance
Glass Contractors are faced with many risks unique to their line of business. GlassPro® is one of the most comprehensive glass insurance programs available for glass manufacturers, dealers and installers.
| Class Code | Description |
|---|---|
| 13590 | Glass Dealers / Glaziers |
Eligible Risks
- Glass and Glazing Contractors (Glaziers)
- Glass Merchants
- Glass Installers
- Glass Fabrication & Installation
- Auto Glass Repair & Installation (On and Off-Site) [75% of payroll must be within these classes]
- Program is admitted and written in all states
Minimum Package Premium
$10,000
Why Work With NIP Group?
- Carrier Rated A+ (Superior), Financial Size XV by A.M. Best
- Competitive Rates
- Superior Customer Service
Coverages
- General Liability (limits up to $1M per occurrence/$2M aggregate)
- Product Liability (limits up to $1M per occurrence/$2M aggregate)
- Auto Liability (limits up to $1M per occurrence)
- Property/Inland Marine (limits up to $500K)
- Contractors Pollution Liability
- Employment Practices Liability
- Cyber Liability
- Workers’ Compensation (Statutory Limits)
- Umbrella Liability (limits up to $10M)
Sign Industry Insurance
Designed specifically to service the sign and display industry, SignagePro® is one of the most comprehensive insurance programs available for sign, display and awning manufacturing, installation and servicing companies nationwide.
Eligible Risks
- Sign Fabrication
- Sign Manufacturers
- Sign installation
- Outdoor Advertising
- Sign Shops
- Awning installation
- 75% of payroll must be within these classes
- Program is admitted and written in all states
Minimum Package Premium
$10,000
Why Work With NIP Group?
- Display Industry Experience for Expert Risk Control Guidance and Proper Valuation of Your Client’s Operations, Property and Equipment
- Specialized Coverages Not Available Through Typical Insurance Products
- Carrier Rated A+ (Superior) Financial Size XV by A.M. Best
- Competitive Rates & Flexible Payment Plans
- Expert Claims Handling and Superior Customer Service
Coverages
- General Liability (limits up to $1M per occurrence/$2M aggregate)
- Product Liability (limits up to $1M per occurrence/$2M aggregate)
- Auto Liability (limits up to $1M per occurrence)
- Property/Inland Marine (limits up to $500K)
- Workers’ Compensation (Statutory Limits)
- Umbrella Liability (limits up to $10M)
- Limited Pollution Liability Extension Endorsement
- Garage Keeper’s Liability
- Contractors Pollution Liability
- Employment Practices Liability
- Cyber Liability
Janitorial Services Insurance
MaintenancePro® is a customized program developed to provide insurance for janitorial services, maintenance services and commercial cleaning services.
| Class Code | Description |
|---|---|
| 96816 | Janitorial Services |
Eligible Risks
- Janitorial services
- Indoor and outdoor maintenance
- Window cleaning
- Carpet and upholstery cleaners
- Program is admitted and written in all states
Minimum Package Premium
$10,000
Why Work With NIP Group?
- Maintenance 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 – Premises and Operations (limits up to $1M per occurrence, $2M aggregate)
- Product Liability (limits up to $1M)
- Auto Liability (limits up to $1M CSL)
- Property
- Inland Marine
- Crime Coverage
- Contractors Pollution Liability
- Employment Practices Liability
- Cyber Liability
- Umbrella Liability (limits up to $25M)
- 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
- 30 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