LawnCareProTM is structured to meet the unique risks faced by applicators of lawn and tree pesticides, herbicides, and fertilizers. With the broadest portfolio of specialized coverages, LawnCarePro fills gaps left by other insurance programs.

Program Highlights

  • Carrier Rated A (Excellent), Financial Size XV by A.M. Best
  • Competitive Rates
  • Exceptional Customer Service
  • Green Industry experts for risk control guidance and proper valuation of your client’s operations, property and equipment

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.

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

Minimum Package Premium

  • $10,000

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)

Special Coverages

  • Workmanship Error Endorsement
  • Pesticide or Herbicide Applicator Coverage
  • Limited Pollution Liability Extension Endorsement

Submission Requirements

  • Completed and signed ACORD applications
  • Completed and signed NIP LawnCarePro Supplemental
  • Completed and signed NIP LawnCarePro Sprayers and Applicators Supplemental (if applicable)
  • FEIN Number
  • 4 years of currently valued, hard copy loss runs for all lines of business being requested
Eligible States
Not the Program You're looking for? Learn More about Additional Programs
Would you like to become a NIP Programs Broker? Contact Us