New Jersey (NJ) Lawn Cutting and Lawn Maintenance Contractors Insurance

The Franchino Agency specializes in insurance for New Jersey LAWN CUTTING CONTRACTORS, LAWN MAINTENANCE CONTRACTORS and New Jersey LANDSCAPE CONTRACTORS. We currently insure over 1500 contractors.

We are looking to write insurance for the contractor who does residential or commercial lawn cutting. A preferred rate is applied for the contractor who primarily does lawn maintenance. See the quotations below. If you do more landscaping than lawn cutting, please see our LANDSCAPE CONTRACTOR page.  No coverage for New York.

This agency currently insures many contractors in New Jersey. We can provide General Liability alone or in a package that includes tools coverage, equipment, supplies, installation floaters, commercial automobile, commercial umbrella, etc.

General liability limits are available in the amounts of: $500,000. or $1,000,000. One million coverage is almost always chosen because the difference is very little.

Here are two typical GENERAL LIABILITY packages for a one-person operation. If you are interested, please call.

Example #1

• $500,000 — bodily injury and property damage combined, per occurrence* premises and operations, other than completed operations
• $1,000,000 — bodily injury & property damage, combined, aggregate*
• $500,000 — products and completed operations
• $1,000,000 — products and completed operations aggregate*
• $100,000 — legal liability
• $10,000 — medical payments to other than employee

$518. annual premium

Example #2

• $1,000,000 — bodily injury and property damage combined, per occurrence* premises and operations, other than completed operations
• $2,000,000 — bodily injury & property damage, combined, aggregate*
• $1,000,000 — products and completed operations
• $2,000,000 — products and completed operations aggregate*
• $100,000 — legal liability
• $10,000 — medical payments to other than employee

$518. annual premium

Add $150. for tool coverage

*occurrence mean limit per claim, *aggregate means limit per year

Learn about the NJ HOME IMPROVEMENT CONTRACTOR REGISTRATION LAW

Learn more about LIABILITY INSURANCE FOR CONTRACTORS