P&C & Workers’ Comp: Lawn care contractors and landscapers

P&C & Workers’ Comp: Lawn care contractors and landscapers
During the warm summer months lawn care and landscaping businesses are in full bloom, working to beautify private and public outdoor areas.

Lawn care contractors and landscapers perform an array of services such as ground design and preparation, planting seeds, shrubs and trees, sodding, grounds maintenance, and spraying for insect control.
The Hartford provides BOP, General Liability, Commercial Auto, Worker’s Compensation and Property for these businesses.Key coverages with The Hartford:

  • Herbicide/Pesticide Coverage
  • Per Project Aggregate
  • Automatic Additional Insured
  • Snow Removal Coverage
  • Large Equipment Schedules available through Inland Marine

Other carriers for lawn care and landscaping include Travelers, Liberty Agency Underwriters, Zurich, CNA and OneBeacon.

Monoline Workers’ Compensation is also available with ACE, AIG and AmTrust.

Automotive Repair Shops

Automotive Repair Shops

There are over 136,000 automotive repair establishments nationwide employing over 650,000 people.

CNA offers competitive pricing for automotive repair shops and will write BOP, Auto and Workers’ Compensation.

Other key features with CNA for this class include:

  • Mechanics Tools and Equipment Coverage
  • Garagekeepers Coverage
  • Hired and Non-Owned Liability with or without Physical Damage

Automotive repair classes include:

SIC Description
753201 Top, Body, & Upholstery Repair & Paint Shops
753202 Auto Upholstery Shops
753203 Automotive Dent Removal
753204 Automotive Detail Shops
753205 Automobile Body Repair
753302 Automotive Exhaust Systems Shops
753400 Tire Retreading & Repair Shops
753602 Automotive Glass Shops
753702 Automotive Transmission Shops
753901 Automotive Repair Shops
753902 Automotive Shocks & Struts Shops
754902 Automotive Lube & Oil Change Shops
754903 Automotive Rust Proofing

Travelers and OneBeacon will also write BOP and Auto for these classes.

Monoline Workers’ Compensation is available with the Hartford, ACE, AIG and Zurich.

Property & Casualty Markets for Machine Shops

Property & Casualty Markets for Machine Shops

Machine Shops

(SIC 359900)

Machine Shops, also called metal job shops, perform the machining of cold metal to the precise size and shape with or without assembly into more complex and customized products. 

There are over 22,000 machine shops nationwide with net sales over $26 billion for shipped products.

Operations involve cutting, drilling, punching, shaping, shearing, planing, grounding, machining, welding, heat treating and tooling materials into the necessary size and shape.  The cutting, bending, shaping or stamping of aluminum may also be involved.

Ineligible operations include:

  • Machinery manufacturing, repair or re-building
  • Foundries that do casting, molding, forging, or extrusion work

BOP. Auto and Workers’ Compensation are available with the Hartford, Travelers, Main Street America and Zurich.