Programs Overview
With the expertise gained from more than 30 years of successful program management – all backed by the strength of the nation’s largest, top-rated carriers – NIP Programs provides brokers and their clients with custom-tailored coverage, exceptional support and service, and financial stability through all market cycles. We use our deep industry knowledge to develop unique underwriting, loss control and claims service models, valued by both agents and their clients alike. For each program we offer, we’ve studied the industry to better understand the challenges and risks faced by business owners – from complying with regulatory issues to staying current in their respective fields. The result? Each program has been carefully designed to meet the specific needs of these unique business types, providing our insureds with outstanding coverage, responsive support, and all at competitive prices. Click here to visit the
NIP Programs website.
Eligible Exposures
- Tree Pruning & Removal
- Tree Spraying
- Plant Health Care
- Landscape Gardening
- Lawn Care
- Irrigation (Sprinkler) Installation
- Snow & Ice Removal
- Subcontracted Work
- Program is admitted and written in all states except Alaska and Hawaii.
Eligible States
- Program is admitted and written in all states except Alaska, Hawaii, and Louisiana.
Ineligible Exposures
- Logging Operations and Lumberyards
- 100% Green Waste Recycling Operations
- 100% Consulting Work
- Contractors providing work within New York City’s 5 Boroughs
Lines of Business
- General Liability (limits up to $1M per occurrence/$2M aggregate)
- Auto Liability (limits up to $1M per occurrence)
- Property (limits up to $1M)
- Inland Marine (limits up to $1M)
- Umbrella Liability (limits up to $5M)
- Crime (limits up to $100K)
- Workers’ Compensation (Minimum Premium of $10,000)
Minimum Package Premium
Eligible Exposures
- Landscape Gardening
- Lawn Care Services
- Spraying Operations
- Hardscaping
- Program is admitted and written in all states except Alaska and Hawaii.
Eligible States
- Program is admitted and written in all states except Alaska, Hawaii, and Louisiana.
Ineligible Exposures
- 100% Green Waste Recycling Operations
- 100% Consulting Work
- Aircraft and Crop Spraying
- Contractors providing work within New York City’s 5 Boroughs
Lines of Business
- General Liability (limits up to $1M per occurrence/$2M aggregate)
- Auto Liability (limits up to $1M per occurrence)
- Property (limits up to $1M)
- Inland Marine (limits up to $1M)
- Umbrella Liability (limits up to $5M)
- Crime (limits up to $100K)
- Workers’ Compensation (Statutory Limits)
Minimum Package Premium
Eligible Exposures
- Excavation Contractors
- Site Preparation Contractors
- Land Improvement Contractors
- Grading of Land Contractors
- Paving Contractors
- Roadway Striping Contractors
- Program is admitted and written in all states except Alaska and Hawaii.
Eligible States
- Program is admitted and written in all states except Alaska and Hawaii.
Ineligible Exposures
- Accounts subcontracting more than 40% of their work
- Accounts performing work as a General Contractor or Paper Contractor
- Underground storage tank removal, tank construction, cleaning, or repair work (except septic tank work)
- Environmental remediation / abatement contractors
- Contractors providing work within New York City’s 5 Boroughs
Lines of Business
- General Liability – Premises and Operations (limits up to $1M per occurrence, $2M general aggregate, $2M products completed operations aggregate)
- Auto Liability & Physical Damage ($1M combined single limit)
- Property (limits up to $3M total insured value)
- Inland Marine (limits up to $3M)
- Umbrella Liability
- Workers’ Compensation (Statutory Limits)
Minimum Package Premium
Eligible Exposures
- Greenhouse Growers
- Nursery Growers
- Independent Garden Centers
- Florists
- Urban Farms (100% Hydroponic fruit and/or vegetable growers and distributors)
- Hybrids
- Sod Farms
- Program is admitted and written in all states except Alaska and Hawaii.
Eligible States
- Program is admitted and written in all states except Alaska and Hawaii.
Ineligible Exposures
- Livestock on Premises
- Operations with Fewer than 3 Employees, Including Partners and Owners
- Agricultural Crop Spraying
- Snow Removal (Limited snow removal may be acceptable)
- Contractors providing work within New York City’s 5 Boroughs
Lines of Business
- General Liability – Premises and Operations (limits up to $1M per occurrence/$2M aggregate)
- Auto Liability (limits up to $1M per occurrence/$2M aggregate)
- Property, including Equipment Breakdown (limits up to $15M per location)
- Product Liability (limits up to $2M)
- Umbrella Liability (limits up to $15M)
- Workers’ Compensation (Statutory Limits)
Minimum Package Premium
Eligible Exposures
- Glass and Glazing Contractors (Glaziers)
- Glass Merchants
- Glass Installers
- Auto Glass Repair & Installation (On and Off-Site)
[75% of payroll must be within these classes]
- Program is admitted and written in all states except Alaska and Hawaii.
Eligible States
- Program is admitted and written in all states except Alaska, Hawaii, and Louisiana.
Ineligible Exposures
- Risks working in NY (Glass stores that don’t perform installation may be considered)
- Risks working in Cook County, IL.
Lines of Business
- General Liability (limits up to $1M per occurrence/$2M aggregate)
- Product Liability (limits up to $1M per occurrence/$2M aggregate)
- Auto Liability (limits up to $1M per occurrence)
- Property / Inland Marine (limits up to $500K)
- Workers’ Compensation (Statutory Limits)
- Umbrella Liability (limits up to $10M)
Minimum Package Premium
Eligible Exposures
- Janitorial services
- Indoor and outdoor maintenance
- Window cleaning
- Carpet and upholstery cleaners
- Program is admitted and written in all states except Alaska and Hawaii.
Eligible States
- Program is admitted and written in all states except Alaska, Hawaii, and Louisiana.
Ineligible Exposures
- High tech clean rooms
- Pest Control Services
- Exterior Window Cleaning over 3 Stories
- HVAC Maintenance
- Healthcare Facility Maintenance that involves bio waste
- Industrial Equipment
- Refineries or Petrochemical Facilities
- Snow and Ice removal (incidental exposure may be acceptable).
- Contractors providing work within New York City’s 5 Boroughs
Lines of Business
- General Liability – Premises and Operations (limits up to $1M per occurrence, $2M aggregate)
- Product Liability (limits up to $1M)
- Auto Liability (limits up to $1M CSL)
- Property
- Inland Marine
- Crime Coverage
- Umbrella Liability (limits up to $25M)
- Workers’ Compensation (Statutory Limits)
Minimum Package Premium
Eligible Exposures
- Sign Manufacturers
- Sign installation
- Outdoor Advertising
- Sign Shops
- Awning shops
[75% of payroll must be within these classes.]
- Program is admitted and written in all states except Alaska and Hawaii
Eligible States
- Program is admitted and written in all states except Alaska, Hawaii, and Louisiana.
Ineligible Exposures
- Risks working in NY (Sign manufacturers that don’t perform installation may be considered)
- Risks working in Cook County, IL
Lines of Business
- General Liability (limits up to $1M per occurrence/$2M aggregate)
- Product Liability (limits up to $1M per occurrence/$2M aggregate)
- Auto Liability (limits up to $1M per occurrence)
- Property / Inland Marine (limits up to $500K)
- Workers’ Compensation (Statutory Limits)
- Umbrella Liability (limits up to $10M)
- Limited Pollution Liability Extension Endorsement
- Garage Keeper’s Liability
Minimum Package Premium
Eligible Exposures
- AC Systems, Refrigeration Systems, Heating or HVAC Sales, Install, Service, Repair, Sheet Metal Contractors
- Eligible States: Program is admitted in all states and can currently be written in 46 states (Exceptions: AK, HI, ID, LA, MT, and NYC’s 5 Boroughs)
Eligible States
- Eligible States: Program is admitted in all states and can currently be written in 46 states (Exceptions: AK, HI, ID, LA, MT, and NYC’s 5 Boroughs)
Ineligible Exposures
- Accounts subcontracting more than 40% of their work
- Accounts performing work as a General Contractor or Paper Contractor
- Accounts performing work on new tract housing and new condo projects
- Contractors providing work within New York City’s 5 Boroughs
Lines of Business
- General Liability – Premises and Operations (up to $1M per occurrence, $2M general aggregate, $2M products completed operations aggregate)
- Auto Liability & Physical Damage ($1M Combined Single Limit)
- Property (limits up to $3M Total Insured Value)
- Inland Marine (limits up to $3M)
- Umbrella Liability
- Workers’ Compensation (Statutory Limits)
Minimum Package Premium
Ineligible Exposures
- Risks working in AK, HI, LA, OH, ND, WA, WY
- Contractors providing work within New York City’s 5 Boroughs
Eligible Exposures
- 25% or more indoor plant maintenance or indoor landscape
- Installation/construction including living wall features and rooftop landscapes/green roofs
- Program is admitted and written in all states except Alaska and Hawaii
Eligible States
- Program is admitted and written in all states except Alaska, Hawaii, and Louisiana.
Ineligible Exposures
- 100% Green Waste Recycling Operations
- 100% Consulting Work
- Aircraft and Crop Spraying
- Contractors providing work within New York City’s 5 Boroughs
Lines of Business
- General Liability ($1M per occurrence/$2M aggregate)
- Business Auto Liability ($1M combined single limit)
- Property
- Inland Marine
- Umbrella Liability
- Crime
- Workers’ Compensation (Statutory Limits)
Minimum Package Premium
Eligible Exposures
- Sprinkler and Irrigation Installation and Repair
- Pesticide Applicators (non-aerial)
- Excavations
- Site Preparation
- Land Improvement and Grading
- Program is admitted and written in all states except Alaska and Hawaii.
Eligible States
- Program is admitted and written in all states except Alaska, Hawaii, and Louisiana.
Ineligible Exposures
- One-Person Operations
- Accounts subcontracting more than 40% of their work
- Accounts performing work as General Contractor or Paper Contractor
- Environmental remediation/abatement contractors
- NYC 5 Boroughs
Lines of Business
- General Liability – Premises and Operations (limits up to $1M per occurrence/$2M aggregate, $2M products/completed operations aggregate)
- Auto Liability& Physical Damage – ($1M combined single limit)
- Property – (limits up to $3M total insured value)
- Inland Marine (limits up to $3M)
- Umbrella Liability
- Workers’ Compensation (Statutory Limits)
Minimum Package Premium
Eligible Exposures
- Classes with 25% (or greater) application of lawn and tree pesticides, herbicides, and fertilizers
- Program is admitted and written in all states except Alaska and Hawaii.
Eligible States
- Program is admitted and written in all states except Alaska, Hawaii, and Louisiana.
Ineligible Exposures
- 100% Green Waste Recycling Operations
- 100% Consulting Work
- Aircraft and Crop Spraying
- Indoor Spraying
- Contractors providing work within New York City’s 5 Boroughs
Lines of Business
- General Liability ($1M per occurrence/$2M aggregate)
- Business Auto Liability ($1M combined single limit)
- Property
- Inland Marine
- Umbrella Liability
- Crime
- Workers’ Compensation (Statutory Limits)
Minimum Package Premium
Eligible Exposures
- 50% or more outdoor lighting installation
- Installation/Construction including: outdoor lighting, related landscape installation and maintenance, irrigation installation and maintenance and holiday lighting
- Program is admitted and written in all states except Alaska and Hawaii.
Eligible States
- Program is admitted and written in all states except Alaska, Hawaii, and Louisiana.
Ineligible Exposures
- 100% Green Waste Recycling Operations
- 100% Consulting Work
- Aircraft and Crop Spraying
- Contractors providing work within New York City’s 5 Boroughs
Lines of Business
- General Liability ($1M per occurrence/$2M aggregate)
- Business Auto Liability ($1M combined single limit)
- Property
- Inland Marine
- Umbrella Liability
- Crime
- Workers’ Compensation (Statutory Limits)
Minimum Package Premium
Eligible Exposures
- Program is admitted and written in all states except Alaska and Hawaii.
Eligible States
- Program is admitted and written in all states except Alaska, Hawaii, and Louisiana.
Ineligible Exposures
- Accounts subcontracting more than 40% of their work
- Environmental remediation / abatement contractors
- EXTERIOR PAINTING
- LEAD PAINT
- USL&H
- WATERPROOFING
- AIRCRAFT PAINTING
- EIFS (Exterior Insulation Finish Systems)
Lines of Business
- General Liability – Premises and Operations (limits up to $1M per occurrence, $2M general aggregate, $2M products completed operations aggregate)
- Auto Liability & Physical Damage ($1M combined single limit)
- Property (limits up to $3M total insured value)
- Inland Marine (limits up to $3M)
- Umbrella Liability
- Workers’ Compensation (Statutory Limits)
Minimum Package Premium
Eligible Exposures
- Plumbing Contractors
- Program is admitted and written in all states except Alaska and Hawaii.
Eligible States
- Program is admitted and written in all states except Alaska, Hawaii, and Louisiana.
Ineligible Exposures
- Accounts subcontracting more than 40% of their work
- Accounts performing work as a General Contractor or Paper Contractor
- Accounts performing work on new tract housing and new condo projects
- Contractors providing work within New York City’s 5 Boroughs
Lines of Business
- General Liability – Premises and Operations (up to $1M per occurrence, $2M general aggregate, $2M products completed operations aggregate)
- Auto Liability & Physical Damage ($1M Combined Single Limit)
- Property (limits up to $3M Total Insured Value)
- Inland Marine (limits up to $3M)
- Umbrella Liability
- Workers’ Compensation (Statutory Limits)
Minimum Package Premium
Eligible Exposures
- Electrical Contractors, Electrical Apparatus Install, Service, Repair
- Program is admitted and written in all states except Alaska and Hawaii.
Eligible States
- Program is admitted and written in all states except Alaska, Hawaii, and Louisiana.
Ineligible Exposures
- Accounts subcontracting more than 40% of their work
- Accounts performing work as a General Contractor or Paper Contractor
- Accounts performing work on new tract housing and new condo projects
- Contractors providing work within New York City’s 5 Boroughs
Lines of Business
- General Liability – Premises and Operations (up to $1M per occurrence, $2M general aggregate, $2M products completed operations aggregate)
- Auto Liability & Physical Damage ($1M Combined Single Limit)
- Property (limits up to $3M Total Insured Value)
- Inland Marine (limits up to $3M)
- Umbrella Liability
- Workers’ Compensation (Statutory Limits)
Minimum Package Premium
Eligible Exposures
- Program is admitted and written in all states except Alaska and Hawaii.
Eligible States
- Program is admitted and written in all states except Alaska, Hawaii, Louisiana.
Ineligible Exposures
- Accounts subcontracting more than 40% of their work
- Environmental remediation / abatement contractors
- RESIDENTIAL NEW CONSTRUCTION (incidental will be considered)
- EXTERIOR
- EIFS (EXTERIOR INSULATION FINISHING SYSTEMS)
- USL&H
Lines of Business
- General Liability – Premises and Operations (limits up to $1M per occurrence, $2M general aggregate, $2M products completed operations aggregate)
- Auto Liability & Physical Damage ($1M combined single limit)
- Property (limits up to $3M total insured value)
- Inland Marine (limits up to $3M)
- Umbrella Liability
- Workers’ Compensation (Statutory Limits)
Minimum Package Premium