Landscapers and lawn care specialists are faced with many challenges, not the least of which is managing complex risk and insuring themselves against loss.
NIP Group has been insuring the green industry for more than 30 years, making us experts in providing the best insurance for landscaping businesses. LandPro® is the largest national liability insurance program for commercial landscapers and lawn care maintenance professionals, with the most experience protecting these specialized businesses with complete, customized green industry insurance coverage.
Thanks to years of expertise, LandPro® has a finger on the pulse of the green industry. Not only do we provide the security needed to run a landscaping business, but we also have a wealth of resources covering industry trends, business & equipment management, and more. Additionally, our members have the added benefit of accessing our risk management portal to help manage their day-to-day lawn care activities.
Better Coverage By Design
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 product provides coverage for such an event.
Description: Provides 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 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 under this claim scenario.
Description: Provides 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.
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)
Submission Requirements
- Completed and signed ACORD applications
- Completed and signed LandPro Supplemental
- Completed and signed 15 Passenger Van Supplemental (if applicable)
- Completed and signed Crane Supplemental (if applicable)
- Completed and signed Pesticide/Herbicide Pollution Liability Supplemental (if applicable)
- FEIN Number
- 4 years of currently valued, hard copy loss runs for all lines of business being requested
LandPro Program Manager
Michael Finati
Michael serves as Program Manager for the LandPro program with over 15 years of P&C experience with extensive experience on the carrier side. Michael earned his degree in Business Administration from William Paterson University and obtained his MBA in Finance from St. Peter’s University.
Claims
Eligibility Map
Target States
Other Eligible states
Educational Content for Landscapers
NALP landscaping & lawn care business safety resources covering everything from OSHA standards, landscaping equipment & jobsite safety, and lawn care professional training. Landscaping professionals should access & familiarize themselves with the safety topics and articles presented from the largest landscaping association in the country. In addition to free resources, the NALP also offers additional resources for associated members.
OSHA Young Workers Landscaping Safety
Resources, fact sheets, and regulations for young working involved in the landscaping industry. As the green industry continues to look for labor opportunities, a younger workforce is being encouraged to be brought in. Lawn care professionals looking to employ or engage young workers should access these resources for their benefit and to comply with the legal obligations set by OSHA.
OSHA Safety and health programs articles and standards available for lawn care service professionals. All green industry professionals in the landscaping & lawn care sectors must comply with the safety and health standards put in place by OSHA. Business owners should familiarize themselves with these standards and ensure their staff is properly trained on the correct OSHA safety standards.
DOL Young Landscapers Health & Safety
Brochure detailing common hazards, health risks, and issues young landscapers commonly encounter. Young workers being employed for landscape and green industry work should have their workers' right made available to them. Additionally, landscaping business owners should ensure youth workers & senior staff be trained in the proper safety protocol for lawn care work, handling landscaping equipment, and more.
The OSHAcademy offers a number of training courses on topics that landscapers commonly face in their line of work. Course topics include bloodborne pathogens & personal protective equipment, heavy equipment safety, landscaper safety trainer qualifications, lawn care business management training, and more. Business owners and their staff can utilize these modules for extensive training purposes.
The NALP Apprenticeship Program is designed to pair landscaping business owners with top tier talent prospectives looking for careers in the green industry. As the green industry has been faced with a growing labor shortage, the NALP looks to help through partnering landscaping & lawn care business owners with young professionals. Business owners looking for new staff or to pass on their knowledge of the lawn care industry should participate in the program.
OSHA provides small business resources available for landscaping & lawn care business owners. Small business owners can access useful information regarding OSHA compliance assistance, handbooks, co-op programs, and more. OSHA also provides Spanish language resources, publications, and dictionaries. Green industry professionals should utilize these resources to manage their safety training, staff engagement, and business development.
A collection of toolkits & resources for green industry professionals & landscaping business owners. The NALP provides resources ranging from landscaper safety, lawn care technician training, finance, marketing, and more. Additionally, landscaping professionals can utilize operations guides and toolkits to help improve their business efforts.
American Society of Landscape Architects Online Learning
Online continuing education resources available for landscape architect professionals available through the American Society of Landscape Architects. The ASLA has a variety of resources covering topics ranging from running a landscape architecture business, landscape design, career development, and more. ASLA members & non-members can purchase courses that fulfill Professional Development Hours needed to meet state licensure requirements.
Official blog of the National Association of Landscape Professionals. Articles cover topics ranging from lawn care business management, landscaping equipment maintenance, and more. Landscaping professionals should utilize these blog to successfully manage their business efforts, help improve landscaping client satisfaction, and maximize their company profitability.
Lawn & Landscape Magazine Videos
A collection of video from Lawn & Landscape Magazine. Content & topics range from landscaping expert tips, lawn equipment management, podcasts, webinars, and more. Landscaping & lawn care professionals should find these videos useful as training modules to engage their staff. New content is added regularly covering all topics concerning the green industry, landscaping equipment, and lawn care techniques.
Irrigation & Green Industry Magazine Videos & Podcasts
Landscaping, green industry, and irrigation product reviews, podcasts, webisodes, and more. Irrigation & Green Industry magazine covers a wide array of topics in their video series. From irrigation & lawn care product reviews to the latest news concerning the green industry, viewers can access this free content at their convenience.
Turf Magazine Business Management Resources
Turf Magazine offers a library of current articles covering topics in landscaping & lawn care business management including lawn care equipment management, small landscaping business COVID-19 relief, and other green industry trends. New resources are updated regularly with the latest trends and topics concerning landscaping & green industry sectors.
Lawn & Landscape Benchmarking Your Business Report
A state by state collection of benchmarking data useful to landscaping professionals & lawn care business owners who need comparative information on landscaping equipment costs, lawn service rates, and employee wages. Business owners should utilize the provided data to road map their landscaping profit margins, expansion efforts, and more.
Green Industry Pros' Lawn Care Business Hiring Best Practice Tips
The landscaping & lawn care industry has been challenge with a labor shortage but that should deter business owners from developing a hiring strategy to obtain the qualified employees for to help grow their operations. Green Industry Pros' provides insight on how to weed through candidates to find employees that will fit your landscaping & lawn care business and will be engage for the long term.
Total Landscape Care's Landscaping Company Finance Tips
In this article, Total Landscape Care offers five tips landscaping business owners should take to manage their company finances, plan for future growth, and maximize profits from their lawn care services. Landscaping business owners looking to plan a growth strategy and take their lawn care services to the next level will benefit greatly from these resources. Planning the future of your company's finances could be the boost needed to keep your green industry business running for the long haul.
OSHA Safety & Compliance Standards
OSHA safety & compliance standards resources for landscaping professionals & lawn care service business owners. All landscaping & green industry workers must adhere the OSHA's safety & compliance standards. Failure to comply with OSHA standards could result in safety violations, fines, or legal prosecution.
OSHA listing and description of landscaping and green industry job classification codes. Landscaping professionals should familiarize themselves these codes and the work that falls under each for insurance purposes. In order to determine accurate insurance coverage for a lawn care company, business owners should acquire coverage for the entire scope of their work.
List of OSHA published landscaping & lawn care industry related articles. A collections of quick cards, fact sheets, and more. OSHA provides publications regarding proper chainsaw safety, pesticide application hazards, and more landscaping related topics. Business owners should utilize these publications for employee awareness and training.
| 97047 – Lawn & Landscape |
| 99935 - Commercial Umbrella |
| 97050 - Lawn Care Services |
| 99777 - Tree Pruning, Dusting, Spraying, Repairing, Trimming or Fumigating |
| 95410 - Grading of Land |
| 91590 - Contractors Permanent Yards–Maintenance or Storage of Equipment or Material |
| 96702 - Irrigation or Drainage System Construction |
| 98483 - Plumbing–Residential or Domestic |
| 98482 - Plumbing-Commercial and Industrial |
| 16291 - Construction operations contractor (not railroads) |
| 99310 - Snow and Ice Removal-Contractor |
| 94007 - Excavation |
| 97447 - Masonry |
Design Sustainability: The Next Frontier in Landscape Design
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Labor Shortages & The Impact on Landscaping Companies
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Landscaping Services Training: Get the Most Out of Your Staff
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Landscape Edging: Keeping Pedestrians Safe on a Job
Landscape edging is a great yard care service to offer your clients, but could potentially create issues if pedestrian safety isn't a consideration.
Avoiding Costly Landscaping Equipment Breakdowns
In this webinar, Neal Glatt of GrowTheBench will explain how to avoid landscaping equipment costs that can burden even the biggest operations.
COVID-19 Relief Resources Webinar
In this webinar, John Bertoli & Marissa Weidenborner explain how your small or medium sized business can navigate COVID-19 relief resources.
Here are the most frequent claims that we see related to green industry professionals in the landscaping, lawn care service, and landscape design sectors:
| Loss Description Code | Business Classification |
| Collision or Sideswipe With Another Vehicle | Landscapers & lawn care service specialists |
| Collision with Other Vehicle | Lawn care service professionals |
| Other | Landscaping professionals |
| Struck while Parked | Landscapers & lawn care service specialists |
| Theft | Landscapers & landscape designers |
| Collision with a Fixed Object | Landscaping professionals |
Here are the most severe claims that we see related to green industry professionals in the landscaping, lawn care service, and landscape design sectors:
| State | Coverage | Loss Description | Total Incurred |
| CA | Auto Physical Damage | Fire | $59,513 |
| PA | Auto Liability | Collision or Sideswipe With Another Vehicle | $50,036 |
| NV | Auto Physical Damage | Fire | $45,128 |
| CA | Auto Physical Damage | Collision with Other Vehicle | $41,246 |
| NY | Inland Marine | Fire | $35,962 |
Here are the top 10 green industry professional accounts LandPro has recently bound throughout the landscaping, lawn care service, and landscape design sectors:
| State | Business Classification | Policy Type | Premium |
| FL | Landscape Contractor | GL, Prop, Auto, Inland Marine | $316,944 |
| AZ | Landscape Gardening Service | GL, Prop, Auto | $29,336 |
| CA | Landscape Gardening Service | GL, Prop, Auto, Inland Marine, Excess | $64,621 |
| NJ | Landscape Gardening Service | GL, Prop, Auto, Excess | $51,380 |
| NY | Landscape Contractor | GL, Prop, Auto | $96,807 |
| NY | Landscape Contractor | GL, Prop, Auto, Excess | $394,883 |
| CA | Landscape Gardening Service | GL, Prop, Auto, Inland Marine, Excess | $44,037 |
| FL | Landscape Contractor | GL, Prop, Auto | $118,751 |
| CA | Landscape Gardening Service | GL, Prop, Auto, Inland Marine | $28,301 |
| NY | Landscape Contractor | GL, Prop, Auto, Excess | $39,960 |
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