LandPro®/Treepro™ Eligibility Guidelines

LandPro® and TreePro™ provide custom commercial insurance for landscaping and tree services.

Package Eligibility Guidelines

Mandatory Product Purchase: General Liability

Minimum Premiums

• Package without Auto: $1,000
• Package with Auto: $1,500

Eligible Accounts

• Risk must have 50% or more of general liability exposure in the following operations:
  • Tree Trimming or Pruning
  • Landscaping/Gardening
• Construction operations such as concrete work, drainage systems, fences, walls and decks, but 50% of payroll must be Landscape Gardening
• Landscape accounts that grow shrubs, trees and plants for customers properties (No Retail Exposure)
• Arborist accounts performing line clearing where there is a written formal safety program implemented and followed.
• Accounts with less than 30% firewood sales, Christmas tree sales, Christmas decoration installation
• Risk must be in business for at least 2 years or with 3 years prior experience in tree/landscape field

Ineligible Operations/Exposures

General Liability

General Operations Exposures:

• Contract logging operations
• Lumberyards
• Businesses involved primarily in grading of land or excavation
• 100% green waste recycling operations
• 100% consultation work
• Operations requiring motor vehicle filings

Business Characteristics:

• Businesses subcontracting more than 25% of the work
• One-person operations
• New operations where principal has less than 3 years prior industry experience

Spraying Exposures:

• Aircraft spraying of any kind
• Agricultural crop spraying
• Unlicensed pesticide applicators

Nursery Exposures:

• 100% nursery operations
• Florists
• Any retail nursery exposure
• Interior office plant and floral arrangements maintenance

Snow Plowing Exposures:

• Snow removal operations exceeding 25% of total payroll
• Snow plowing operations for risks with parking lots accessible to the public

Explosives-related Exposures

• Any storage of L.P.G., ammunition or explosives on premises
• Any demolition work or use of explosives

Construction Exposures

• Risks with more than 40% construction operations (e.g., concrete work, drainage systems, fences, walls, decks)

Other:

• Risks with 3 year loss ratios of more than 60% excluding shock losses
• Risks located in Florida's Broward County or Miami/Dade County

Auto

• Motorcycles
• Any vehicle used for public transportation
  Vehicles principally operating beyond a 200 mile radius

Property
Risks located within 1 mile of coastal waters