LightScapePro™ is designed specifically for contractors who work with outdoor lighting systems. This comprehensive program is structured to meet the unique risks faced by low voltage outdoor lighting system design and installation risks with the broadest coverage portfolio and specialized coverages that fill gaps left by other programs. The program offers competitive pricing for businesses of all sizes, from small contractors (with minimum premiums as low as $25,000) to larger operations. We provide your clients with the coverage they need, at a price they’ll appreciate!

Program Highlights

  • Industry experts for risk control guidance and proper valuation of your client’s operations, property and equipment
  • Carrier Rated A (Excellent), Financial Size XV by A.M. Best    
  • Competitive Rates
  • Superior Customer Service and Expert Claims Handling
  • Flexible Payment Plans
  • Competitive Commissions

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.

Ineligible Exposures

  • 100% Green Waste Recycling Operations
  • 100% Consulting Work
  • Aircraft and Crop 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

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

Submission Requirements

  • Completed and signed ACORD applications
  • Completed and signed NIP LightScapePro Supplemental
  • 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