Landscapers and Excavator Insurance Products offerd through DRickard Insurance

DRickard Insurance

607-843-8860

insurance@drickardinsurance.com

New York State

DRickard Insurance
"Your Favorite Insurance People"

DRickard Insurance

Your Favorite Insurance People

607-843-8860 insurance@drickardinsurance.com

Lawn Care, Landscapers & Excavators Insurance

Landscaping

List of Contractors Coverage Options FAQs

Contact us at 607-843-8860 and insurance@drickardinsurance.com.

Most landscapers and excavators can find a variety of insurance products through our insurance agency. What level and variety of landscaping and excavator insurance coverage is right for you?

NOTE: Our insurers will not write a policy for tree trimming operations or large scale commercial or municipal projects.

As with any business the bottom line is a concern. We have seen premiums under $300 a year. Keep in mind there is likely not enough coverage for most businesses at this minimal coverage. Many excavators will find coverage around $1,000 per year for general liability coverage. For specific information on policies that fit your needs, including Commercial General Liability, Commercial Auto, Workers Compensation, and NYS DBL and PFL please contact us at 607-843-8860 or email insurance@drickardinsurance.com.

Hint: The longer you have been in business and insured the better opportunity you have for the best insurance pricing. So keep your insurance even during your off-season.

The Landscape Gardener

Landscape gardeners do lawn mowing, interior environments, hedge trimming, flower work, etc. Tree trimming is not landscape gardening. Besides the liability coverage you are well served by getting protection from loss of your equipment also. We strongly encourage you to get more than the smallest policy you can find for many the reasons we are happy to discuss with you at insurance@drickardinsurance.com or 607-843-8860. If you have a helper you will need the mandatory employment insurances required by New York State.

Note: Your helpers and "independent contractors" may actually be considered employees. NYS has specific rules for what is an employee and what is an independent contractor. If the helper, independent, sub contractor that works for you does not have their own insurance you may need to cover them under your general liability, workers compensation and NYS DBL/PFL policies.

The Flatwork Contractor - Flat Excavator

The flat work contractor specializes in driveways, slabs, etc. Actual premiums depend upon coverage specific case by case underwriting. We are happy to discuss customized insurance options with you at insurance@drickardinsurance.com or 607-843-8860.

The Excavation Contractor - Digging Excavator

In most cases contractors digging at any depth really need additional to the common contractors coverage forms of collapse, explosion, and underground. Besides the Commercial Package Policies discussed earlier, larger contractors who have up to 5 employees may find a wide range of solutions through us. Actual premiums depend upon coverage specific case by case underwriting. We are happy to discuss customized insurance options with you at insurance@drickardinsurance.com or 607-843-8860.

General Eligibility Rules

No More than 5 employees including the owner(s)
Primarily Residential, Office, and Light Commercial Installations or Repairs
The more experience in class the better price eligibility
$1,500,000 Gross Receipts or less
Less than 35% of work subcontracted to others
No General Contractors
No work done outside of New York State

Landscaping and Excavation Insurance Options

Insurance packages should be customized to meet your companies needs. Insurance should not be purchased as a one size fits all solution. Contact us so we can custom design an insurance package for this need at insurance@drickardinsurance.com or 607-843-8860.

Note: Not all options are available from every insurer.

Click here for an incomplete list of coverage options to select from.