ProSource Solutions / Insurance review
Landscaping Insurance in Connecticut & Texas
Insurance review for landscaping businesses: mowing, tree work, equipment, crews and seasonal snow operations. Tell ProSource how your company works. Call 203-927-3198
Landscaping businesses can perform very different work under the same trade name. Weekly lawn care, planting, tree work, excavation and hardscape construction should not be treated as interchangeable activities. ProSource Solutions helps organize an insurance review around the actual services, equipment, employees and contracts involved in the business. State, carrier and underwriting eligibility affect available options.
Describe every part of the service mix
List recurring maintenance, cleanups, mowing, planting and installation separately. Explain any tree operations, pesticide application, drainage work, grading, excavation or hardscape construction. Include the types of properties served, the locations of work and activities performed by subcontractors. Do not leave an activity out because it represents only a small part of annual revenue.
A useful discussion considers injury to others, damage to customer property, employee injuries, vehicle use and loss of tools or equipment. Working at occupied homes differs from maintaining commercial grounds, and activities involving chemicals or excavation raise additional questions. Ask how the proposed policy addresses the specific work rather than relying on the business description alone.
Review the coverage lines and restrictions
General liability, workers’ compensation, commercial auto, equipment coverage and umbrella or excess insurance are common review topics. Ask about trailers, rented equipment, tools transported between jobs and responsibilities for property in your care. Coverage names do not establish that every service or item is included; limits, conditions, exclusions and endorsements matter.
If the company performs snow removal, disclose plowing, shoveling and deicing separately. Do not assume summer landscaping coverage extends to winter operations. Likewise, a policy arranged around routine maintenance should be revisited before adding construction, tree work or another specialty. Discuss operational changes before taking on new work whenever possible.
Gather information for underwriting
Prepare revenue by service, payroll by employee duty and state, subcontractor costs, vehicle and trailer schedules, and an equipment list. Include existing policy declarations, renewal dates and prior loss information. Describe storage, transport and use of equipment, including rented items and any equipment left at a jobsite.
Bring customer agreements and insurance exhibits, especially for property managers or commercial accounts. Identify requested limits, additional insured requirements and any deadlines. A certificate summarizes coverage but cannot create protection that the policy does not provide. Ask qualified legal counsel about indemnity language or other contractual responsibilities outside the insurance review.
Keep the review aligned with the business
Seasonal hiring, new crews, a larger service area or a shift toward installation can change the information used in underwriting. Keep operating records and update the agency when activities change. Ask which payroll, sales and subcontractor records may be needed for a premium audit. Provide sensitive documents only through an agreed secure method.
Start the request with a clear description of the work and the date you need an answer. The next step is a discussion of available options and any missing information. A submitted form does not bind insurance, change an existing policy or confirm that a particular job can proceed with coverage.
Common questions
Is lawn maintenance the same insurance exposure as landscape construction?
No. Describe maintenance and construction activities separately, including excavation, grading or hardscapes. The policy must be reviewed against the actual operations.
Should I include rented equipment?
Yes. Identify rented and owned equipment, its use and the rental agreement so responsibilities and possible coverage can be reviewed.
Is snow removal automatically included?
Do not assume it is. Snow and ice work needs an explicit review of operations, contracts, classifications, exclusions and endorsements.
What if the business adds a new service?
Contact the agency and describe the change. Do not assume existing terms extend to new activities, locations, crews or equipment.