Program Features

Green Industry Business Segment

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

States

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


Carrier

AM Best Rated A (XV Excellent)


Program Highlights

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

Coverages Included in Package

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


Automatically Included in the Package Program

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

Automatically Offered in the Package Program

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

Coverage Specifics

General Liability

  • No subsidence exclusions
  • Blanket Additional Insured Protection –automatically attached
  • 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.

Services Included

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

Other Coverages and Services Available through LCIS

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

Payment Highlights

  • Multiple premium finance plans
  • Flexible deposits and installment plans