Lawn Care

Our Lawn care services product provides comprehensive coverage for the unique exposures faced by today’s lawn care services contractors. All coverages can be provided under a single policy.

Ineligible Lawn Care Services

Please note we cannot offer coverage to the following:

  • Ice or snow treatment/removal

  • Swimming pool or pond installation or maintenance

  • Stump grinding

  • Debris removal

  • Sprinkler Installation

  • Risks located in AK, LA, or WV

Available Coverage for Lawn Care Services

  • Commercial general liability coverage with optional Contractors Equipment coverage

  • General liability is rated based on the number of employees

  • Broad eligibility to include: New ventures Up to 10 workers

  • Receipts up to $500,000

  • Low contractor’s equipment deductible of $500

  • Ability to cover rented or borrowed equipment

  • Blanket additional insured option available

  • No general liability deductible

Coverage Limits Available for Lawn Care Services

  • General liability up to $1,000,000 occurrence/$2,000,000 aggregate

  • Excess general liability or umbrella up to $5,000,000

  • Contractor’s equipment schedules up to $150,000

  • Miscellaneous tools up to $15,000



 

Claim Example for Lawn Care Services

Bodily Injury: The insured was cutting the lawn in a residential neighborhood. While riding a lawn mower the insured struck the foot of a pedestrian who was jogging on the sidewalk. The insured was found to be negligent for carelessly operating machinery and incurred a loss of $42,000.The Insured was edging a client’s garden with a weed whacker. A small stone was projected from the weed whacker and hit the client in the shin. Her medical expenses incurred totaled $2,750.

Property Damage: The insured was blowing leaves and grass off the sidewalk at a residential property. While operating the blower, stones were projected to a nearby vehicle that sustained paint and window damage. The insured was found to be negligent for the damage and incurred a loss of over $5,000.The insured repaired a broken water sprinkler at a residential property. After leaving the premises, the repaired sprinkler broke again and flooded a portion of the house causing water damage. Costs to repair the water damage in the home totaled over $22,000.

Contractors Equipment: The insured stored a piece of his equipment in the garage of his client during the day. One afternoon a fire occurred in the garage and destroyed the insured’s equipment. The insured filed a claim to replace the equipment valued at just under $10,000.The insured left his best lawn mower at a jobsite, and headed off at lunchtime for a local restaurant. When he returned, the lawn mower was gone. He made a claim for the $11,200 piece of equipment.

You must be an appointed USASIA Insurance Services retailer to use these programs. Quotes obtained via these programs will only be bound IF you are a previously appointed retailer with USASIA. PRIOR TO BINDING, check with your branch to determine any and all applicable taxes and fees. If you need additional pricing considerations on any web quote received via these programs or if your submission is declined, please call your USASIA representative.

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