TruPoint Blog

Irrigation contractors carry exposures a generic landscaping policy was not built to handle, including buried utilities, pressurized water, and electrical work. Here is what changes in the coverage.

Standard GL policies exclude pollution events. For landscapers applying pesticides, herbicides, and fertilizer, that exclusion creates a serious coverage gap. Here is what Contractors Pollution Liability covers and who needs it.

Standard property policies stop at your shop door. Inland marine and tools floater insurance protect your landscaping equipment on the job site, in transit, and against theft wherever your crews work.

Tree work is the highest-hazard segment of the landscaping industry and one of the most underinsured. This guide explains why tree service operations require distinct coverage, which class codes and carriers apply, and what underwriters want on a tree care submission.

Most landscaping workers' comp surprises happen at the annual payroll audit or through a rising experience mod, not at the initial quote. This guide explains how NCCI class codes set the base rate, how audits assign payroll, and how the experience modification rate compounds over three years.

A practical guide to landscaping general liability insurance. What GL actually covers, the limits commercial contracts require, and the exclusions (pollution, professional services, care custody control) that leave landscapers exposed without added coverage.