Operations this guide may include
- Lawn care and grounds maintenance
- Landscape design and installation
- Irrigation service and installation
- Tree trimming, storm cleanup, and related outdoor work
Questions that shape the conversation
Insurance markets evaluate the complete operation. These are examples of details that can materially affect the available path.
- What percentage of work is maintenance, installation, irrigation, or tree service?
- Are pesticides, herbicides, fertilizers, or controlled burns used?
- What vehicles, trailers, mowers, lifts, and mobile equipment are operated?
- Are work-at-height, crane, excavation, or municipal contracts involved?
Coverage topics to discuss
General liability
Customer-property, operational, and completed-work exposures.
Commercial auto
Trucks, trailers, drivers, and transport of crews and equipment.
Contractor equipment
Mowers, tools, machinery, and mobile equipment used away from the premises.
Pollution liability
A coverage discussion when chemical application or environmental events are possible.
Information worth preparing
- Service and customer breakdown
- Chemical, tree-work, height, and subcontractor details
- Vehicle, trailer, driver, and equipment schedules
- Revenue, payroll, contracts, and loss history
This guide provides general educational information, not legal, tax, or insurance advice. Coverage availability, eligibility, limits, exclusions, and pricing vary by applicant, insurer, policy, and state.