Landscape Contractors Insurance
Professional Insurors offers the most comprehensive Insurance & Risk Management programs in the Industry. Whether you just work in Oklahoma or travel to other states to perform your services we have the ability to protect your company. Our Landscape Contractors Program features a dedicated claims and risk management team so you can be confident that your claims are being supervised by an in-house claims coordinator and your risk management needs are met by our experienced knowledgeable staff. We can insure the Landscape Contractor doing broad types of work to the Landscape Designer doing specific types of work on the project. Not all coverages are available to all contractors and are subject to underwriter approval.
General Liability Insurance
General Liability consists of coverages which protect an insured against third party claims for property damages or bodily injury.
Highlights
Per Project Aggregate (new limits per project)
Blanket Additional Insured
Blanket Waiver of Subrogation
Broad Definitions of who is Insured
Broad Definition of Territory
Workers Compensation
Workers Compensation covers injuries to your Employees while in the course of Employment.
Highlights
Multi-State coverage
Hazardous industries coverage available
Blanket Waiver of Subrogation
Pay as you go solutions available
Meets all state guidelines
Commercial Automobile (Fleet)
Commercial Auto Liability and physical damage protects your vehicles from physical damage and protects you from claims from third parties caused by bodily injury or property damage.
Highlights
Blanket Additional Insured
Named Coverage for Owners of Company
Broad Coverage Territory
Hired/Non-Owned Automobile
Auto Pollution Available for Chemical Applicators
Automatic coverage for Large Fleets (no reporting required)
Commercial Umbrella/Excess Liability
Commercial Umbrella/Excess Liability is a coverage that extends the limits of your underlying covered policies like General Liability, Workers Compensation, and Commercial Automobile to a higher limit than is available with the underlying policy limits.
Highlights
High Limits Available (min $1,000,000 up to $100,000,000)
Following Form or Full Umbrella based on risk and size
Blanket Additional Insured
Contractors Equipment Coverage
Contractors Equipment Coverage, often called "inland marine" covers your equipment physical damage including collision, theft, and many other perils. The liability for this equipment is usually covered under your General Liability policy.
Highlights
Coverage area is very broad
Multiple deductible options
Replacement Cost for Newer Equipment
Installation Floater Coverage
Installation floaters designed for trade contractors insure their property risk in the building while under construction.
Highlights
Blanket or Per Project Basis policies
Very Competitive rates
Owners interest coverage available
Testing Coverage Available
Multiple deductible options
Chemical Applicators Coverage
The standard General Liability Insurance that you purchase has an exclusion for pollution incidents. This specialized endorsement provides the necessary protection required by the state to obtain your applicators permit. The annual cost is based on the number of days you do spraying and is not costly when compared to costs of potential damage done by spraying of chemicals.
Contractors Bonding
License and Permit Bonds available nationwide
Performance & Payment Bonds Available (Underwriting Required)
Other Coverages
Employment Practices Liability
Crime including employee dishonesty
Equipment Breakdown
Health & Benefits
Flood
Directors & Officers Liability
Errors & Omissions
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