Lawn Care & Landscaping Insurance

Reason Needed: Certain contractual requirements necessitate landscape contractors to name their clients as additional insureds.

Benefit: Efficiently address the additional insured’s endorsement needs for ongoing and completed operations. Prevents an error due to administrative oversight, reduces administrative costs, and reduces paperwork. (”Blanket as required by written contract.”)

Description: The standard ISO General Liability product does not definitively state that mental anguish and mental injury is included in the definition of bodily injury. Our extension endorsement includes, clarifies and expands the definition of bodily injury.

Claim Example: A customer of the landscape contractor gets injured from a rock that the lawn mower ran over hitting the client in the eye. The customer may sue for mental anguish due to loss of vision in addition to bodily injury. Our landscaping insurance product provides coverage for such an event.

Description: Provides landscaping insurance coverage for the damage to trees, shrubs, plants or lawn caused by the Landscape Contractor’s work due to an error and omission in the course of landscaping services.

Claim Example: An employee of the insured removes a Japanese Maple Tree that was supposed to be pruned due to an unclear work order. The cost for damage to the tree and property is covered in this scenario.

Description: Provides landscaping insurance coverage for damages caused to a Landscape Contractor’s customer due to accidental release of pollutants at the customer’s residence.

Claim Example: While treating a customer’s lawn, a Landscape Contractor accidentally over sprays herbicides near a row of ornamental bushes, resulting in the demise of dozens of plants by the application and migration of the chemicals. A claim to replace the bushes would be covered by the contractor’s lawn care coverage under this claim scenario.

Description: Provides landscaping insurance coverage for damages caused by chemicals that leak from your auto which are not ordinarily covered by the standard ISO auto offering.

Claim Example: A company truck is involved in an accident and overturns, spilling pollutants over the road and possibly into the local water system (nearby pond, sewer, etc.). The damage to the water supply, loss of chemicals, and cleanup is covered in this scenario.