Commercial industry
Landscaping Insurance
Landscape contractors run crews, trailers, and machines across other people’s property, and many apply fertilizers or pesticides that a standard GL pollution exclusion deletes. The file is contractor GL, a equipment floater, commercial auto, and a limited pesticide/herbicide/fertilizer grant or a real contractors-pollution form.
We place landscape installation and maintenance contractors. Lawn-care-only routes have their own page when that is truly all you do. Tree work above a certain height and hardscape/excavation need to be on the application.
Risks we actually schedule
- Spray-drift and chemical claims the GL pollution exclusion will deny.
- Damage to irrigation, utilities, or a customer’s hardscape.
- Trailers, mowers, and skid steers stolen from a job or a yard.
- Crew auto claims and L&I (WA) or private WC (other states) for field labor.
Frequently asked questions
Is a pesticide endorsement enough?
For many maintenance accounts, a limited pesticide/herbicide/fertilizer endorsement is the right tool. Larger commercial spray or chemical programs deserve a contractors-pollution form. We will not treat them as the same.
Are rented machines covered?
If we put a rented-equipment limit on the floater. The rental house waiver is not a substitute.
We also build retaining walls. Does that change the class?
Yes. Hardscape and excavation change GL eligibility. Tell us the split of receipts.
Related coverage, industries, and locations
General Liability
Third-party injury, property damage, and products/completed-operations protection for shops, offices, and jobsites.
Coverage detailsInland Marine
Tools, equipment, cargo, installation jobs, and property that moves — the coverage a building policy leaves behind.
Coverage detailsCommercial Auto
Owned, hired, and non-owned vehicles — work vans, box trucks, service bodies, trailers, and company cars.
Coverage detailsWorkers Compensation
Private WC in competitive states, plus stop-gap and multi-state design. Washington employers stay with L&I for WA payroll.
Coverage detailsLawn Care
Route-based mowing and treatments: auto, equipment, and a pesticide endorsement that actually exists.
Industry pageExcavation Contractor
Underground GL, rented equipment, pollution, and a honest conversation about depth and utilities.
Industry pageProperty Management
Managers of commercial office, retail, and industrial buildings — GL, E&O, EPL, and the owner certificates you issue every week.
Industry pageOregon
Licensed commercial insurance broker serving Oregon.
State page