The LCIS insurance program has been designed for landscape contractors, lawn maintenance companies, nurseries and tree services. The program is exclusively available through LCIS.
Where do premiums start?
Minimum premiums begin at $1,000 per year.
How is my premium determined?
Premiums are determined by a number of factors, including: your annual payroll, physical location, value of insured equipment and other property, number of years in business, vehicle schedule, and previous history of claims.
What coverage is included in your policy?
Our program is highly flexible and can accommodate operations of many sizes, so no package is quite the same. Most insured's select a policy that includes General Liability, Commercial Automobile and Tools & Equipment. Additional optional coverages include Property, Crime, Installation Floater, and Excess Liability.
Who is eligible for coverage?
Most landscape installation contractors, maintenance contractors, nurseries, tree services and other green industry businesses are eligible. New ventures are also eligible (subject to underwriting approval).
How quickly may I activate coverage?
LCIS can act very quickly. We are certainly willing to handle urgent inquiries.
May I work on condominiums and tract housing developments?
Yes. Our standard policy does not exclude coverage for multi-family or single family new construction.
I am a licensed pesticide/herbicide applicator. Am I covered?
Yes. Our policy extends liability coverage to you for these operations.
I need a blanket Additional Insured endorsement. Is this available?
Yes. Our policy includes a blanket additional insured endorsement. We do not charge to add each individual additional insured.
How are my owned Tools and Equipment covered?
Typically, miscellaneous tools & equipment (valued under $1,000) are covered under a blanket (non-scheduled) limit of coverage, as specified in your policy. Larger, more valuable equipment may be scheduled on the policy using the equipment's actual cash value.
Am I able to insure other property including computers, contents, and inventory?
Yes. These coverages may be added to your policy at any time. Please contact our office for further information.
Are Payment Plans Available?
Yes.
The descriptions of coverage provided to you on this website do not alter or replace the actual policy. For an exact explanation of coverage, please refer to the policy. In the event of a claim, the actual policy in force at the time the loss occurred will dictate coverage and limits.
