Landscaping Contractors Insurance

Landscaping contractors face a range of liability exposures that require appropriate insurance coverage. MiniCo’s program gives agents the ability to customize policies for their landscaping clients. Our team of specialized underwriters have extensive landscaping industry experience and can rate, quote, bind, and issue policies, as well as service accounts.

This program is currently available in Arizona, California, and Nevada.

Target Classes

  • Arborists
  • Hardscape
  • Landscaping
  • Lawn care
  • Maintenance
  • Masonry
  • Nurseries
  • Snow removal

Coverage Highlights

  • Commercial auto, including broadened coverage endorsement
  • Cyber liability coverage offered on every GL quote, with opt-out provision included and higher limits available
  • Enhanced equipment breakdown coverage, with sublimit and deductible options
  • Excess liability coverage
  • General liability-blanket A/I, waiver of subrogation, and per project aggregate all included
  • Inland marine coverage
  • Landscaper services workmanship error—property damage included
  • Landscapers property coverage extension
  • Minimum $1,000 GL premium
  • New ventures can be considered
  • No added costs for additional insureds, primary wording, waiver of subrogation, and per project aggregate
  • No premium volume commitment
  • No requirements for producers to perform system input or rating
  • Occurrence form with no mandatory prior work exclusions
  • Pesticide and herbicide coverage included
  • Property coverage, including broadened coverage endorsement
  • Various per occurrence deductible options

For more information, download our flyers.

Key Contacts

Leslie Wilson

Senior Vice President

Norman Eide

Vice President, Information Systems

Michelle Kirk

Senior Underwriter

Shanna Thompson

Underwriter

Get a Quote

Renewals

A new qualifier is required every three years. Submitting an All Classes New Business Qualifier or the General Information New Business Qualifier with the Landscaping Class Qualifier is also acceptable (see Supplementals and Submission Requirements).

Send completed submissions to landscaping@minico.com.
For all other inquiries, please call (833) 529-6467.

File a Claim

If you experience any problems or need claims support, please contact Leslie Wilson at leslie.wilson@minico.com.

GuideOne Claims & Loss Run Requests
AXIS Claims & Loss Run Requests

GuideOne Claims

All claims for GuideOne Insurance Companies will be administered by GuideOne Insurance Claims. MiniCo Insurance acts as a claims facilitator and advocate for our brokers and insureds.

Submit GuideOne Insurance policy claims directly to GuideOneClaims:

Email: programclaim@guideone.com
Phone: 877-228-2788
Fax: 800-676-4457

When submitting a claim, please include an ACORD Loss form (preferred) or the policy number, name and address of the insured, and information about the loss details and involved parties including:

  • Accident date, time, and location
  • A brief description of accident
  • Name and contact information of the person reporting the accident
  • The main insured’s contact and contact information, including office and cell phone numbers

Once a claim is filed, you may contact GuideOne Insurance to receive your claim number and adjuster information.

GuideOne Loss Run Requests

Send all GuideOne loss run requests to lossruns@guideone.com. Please include the following information with your request:

  • Your name, email address, and phone number
  • Named insured, policy number(s), and policy period(s)

AXIS Claims

All claims for AXIS will be administered by American Claims Management (ACM).

Submit AXIS policy claims directly to American Claims Management:

Email: newlossescl@acmclaims.com
Phone: 888-799-2919
Fax: 877-895-1440

American Claims Management
P.O. Box 9060
Carlsbad, CA 92018-9060

When submitting a claim, please include an ACORD Loss form (preferred) or the policy number, name and address of the insured, and information about the loss details and involved parties including:

  • Accident date, time, and location
  • A brief description of accident
  • Name and contact information of the person reporting the accident
  • The main insured’s contact and contact information, including office and cell phone numbers

Once a claim is filed, you may contact American Claims Management to receive your claim number and adjuster information.

AXIS Loss Run Requests

Send all AXIS loss run requests to acmlossrunrequests@acmclaims.com. Please include the following information with your request:

  • Your name, email address, and phone number
  • Named insured, policy number(s), and policy period(s)

Payments

Our premium payment plans cover GL, auto, property, and IM, and they provide significant cash flow advantages for contractors. After posting a security deposit, premium is payable monthly. The security deposit simply rolls over at policy renewal, saving the insured the hassle of another premium deposit or premium down payment, often 25% of their annual premium. Contractors may utilize the GL “pay as you go” class reporting or the convenient fixed monthly payment plan. For your convenience, we offer e-signatures and paperless billing.

Make a Payment with Secure Vcheck

  • Click the Vcheck link.
  • Enter your check information via an easy-to-use secure online form.
  • The Vcheck system produces an instant, printable receipt that resembles your check.
  • A confirmation email is sent to you instantly.
  • A new check notification message is instantly sent to MiniCo Insurance.
  • MiniCo logs into the secure Vcheck system and prints your check.
  • MiniCo deposits the check.
  • MiniCo’s bank processes your Vcheck as a “Demand Draft” or “Sight Draft.” (This is a common banking activity.)