Landscape Contractors Insurance Services, Inc.

Residential and Commercial:

• Landscape Maintenance
• Landscape Construction
• Hydro Seeding
• Arborists/Tree Trimming
• Nurseries and Nursery product sales
• Greenhouses
• Irrigation System Installation & Repair
• Pond Installation & Repair
• Artificial Turf Installers
• Habitat Restoration Services
• Landscapers with incidental snow plowing and/or street cleaning
• Landscapers with ancillary pool work such as decorative tile, rock, decking and limited plumbing work
• Landscape Consultants and Architects, except E&O

California, Nevada, Arizona, Colorado, Wyoming, Utah, Oregon, Washington, Idaho, New Mexico, Montana, Illinois, Texas, Pennsylvania, New Jersey, North Carolina, South Carolina, Ohio and Georgia

AM Best Rated A (XV Excellent)

Risk Eligibility

• Any size tract home or multi-unit developments - Not Excluded
• All size of accounts eligible – small, medium, large and multi state operations
• Separate GL class codes for landscape maintenance and installation
• "Non-green" exposures OK, if limited to less than 40% of risk's total revenue
• Accounts with cranes, boom trucks and bucket trucks eligible
• New ventures OK with 3 years experience in the industry

General Liability, Auto, Property, Inland Marine, and Crime

• Pollution Buy Back – Upset & Overturn
• Terrorism at no additional charge

• Employee Benefits Liability
• Excess Liability up to $4M

General Liability

• No subsidence exclusions
• Blanket Additional Insured Protection –automatically attached
• CG 2010 11/85 equivalent wording available to all, including tract home developments
• Limited Professional Liability – Landscape & Arborists, covers design & build (automatically attached)
• Pesticide or Herbicide Applicator Coverage (automatically attached)
• Per Project Aggregate – available upon request
• Wraps/OCIPS available on request
• Non-owned Auto when insured is not afforded commercial auto coverage

Auto

• Pollution Liability Buy Back/Upset & Overturn – automatically included
• $20 per day to a maximum of $600 for temporary transportation expenses due to a vehicle theft
• Flexible auto liability and physical damage deductibles
• DOC – available upon request for eligible drivers
• Youthful drivers with clean driving records OK
• UM/UIM limit variations upon request
• Hired and non-owned liability and physical damage
• Rental reimbursement
• Company and private passenger vehicles

Property

Property Extension for buildings and contents includes data & media, extra expense, property in transit and many more.

Inland Marine

• Scheduled and Unscheduled Equipment
• Installation Floater
• Rented & Leased Equipment
• Additional industry supported coverages; Valuable Papers, Accounts Receivable, Fine Arts, etc.

• Dedicated Certificate Unit – 24 hour turnaround
• Customized claims oversight
• Loss Control
• MVRs run for new hires

• Workers Compensation Program PLUS
• Access to multiple "A" rated carriers
• Exclusive programs available only through LCIS
• Monthly Reporting
• Roll-over Deposits
• Free Landscape Specific IIPPs
• Claims management by Workers Compensation Specialists
• Payroll and claims reviews to ensure accuracy and appropriate experience calculations
• Claims Liaison – specialists will intervene with the Carrier Claims depts. where necessary
• Cyber Liability
• Professional Liability – for risks that "design only"
• Group Health Benefits and Life Programs
• Group Medical
• Family Plans
• Individual Plans
• Carve Outs, when applicable
• Specialized consultation for life insurance and asset protection
• Bond Department
• Bid Bonds
• Performance Bonds
• Payment Bonds
• License Bonds
• Specialty Bonds
• Personal Lines
• Home
• Auto
• Renters
• Dwellings
• Recreational Vehicles, and more

• Multiple premium finance plans
• Flexible deposits and installment plans