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History of CIA with Landscapers

Whether you operate a growing business, nursery, garden center, landscape contracting company, or lawn-maintenance firm, our experience helps us understand the work behind your operation.

Since 1983, Commercial Insurance Associates has been a member of the Connecticut Groundskeepers Association. Over that time, we have developed a thorough understanding of the operations and risks faced by growers, nurseries, garden centers, landscape contractors, and lawn-maintenance firms. As an independent agency representing multiple insurance carriers, we can offer specialized coverage options designed around your needs and budget—and show you how your business can benefit from our experience in the green industry.

Protection beyond a standard program.

Depending on eligibility, carrier, and policy terms, specialized endorsements may include:

  1. 01Pesticide / herbicide applicator coverage
  2. 02Landscaper limited pollution coverage — worksite
  3. 03Transportation of designated pollutants
  4. 04Nursery growing stock coverage — named perils

A complete analysis of your insurance needs.

  1. 01Design a responsible protection program for your operation.
  2. 02Select the company or companies best suited to your situation.
  3. 03Present you with a competitively priced proposal.
  4. 04Move quickly to help secure a fair, prompt settlement of covered claims.
  5. 05Periodically review the adequacy of your insurance program.
  6. 06Continually look for practical opportunities to save you money.

We work for you—not an insurance company.

We represent a carefully selected group of financially sound, reputable insurance companies. That independence allows us to place your policy with the company offering the right coverage at a competitive price.

When you experience a loss, we work on your side and follow through to help you receive fair, prompt attention. Our agency is built around proven professionals, conscientious people, and personal service you can depend on.

A relationship built on trust and service.

  1. 01

    Be honest and fair in all our dealings.

  2. 02

    Take a genuine interest in people and their concerns.

  3. 03

    Treat each client’s needs as though they were our own.

  4. 04

    Maintain a high standard of excellence and build relationships based on mutual trust and service.

Coverage for the work you do.

Landscaping businesses work across changing jobsites with mobile equipment, vehicles, crews, and seasonal risks. We help bring the appropriate coverage options together around your operation.

General liability

Provides coverage for certain third-party bodily injury, property damage, and personal or advertising injury claims arising from landscaping operations.

Commercial auto

Covers trucks, trailers, and other vehicles used to transport crews, materials, tools, and equipment between landscaping jobs.

Tools & equipment

Provides protection for scheduled or covered mowers, machinery, tools, and mobile equipment at your premises, in transit, or at a jobsite.

Workers’ compensation

Provides medical benefits, wage replacement, and related coverage when an employee experiences a covered work-related injury or occupational illness.

Commercial property

Covers buildings, office contents, inventory, and other business property kept at a scheduled landscaping business location.

Umbrella liability

Provides additional liability limits after the limits of qualifying underlying commercial policies have been reached.

Pesticide & herbicide

Addresses certain pollution or application-related exposures that may not be included in a standard general liability policy.

Snow removal

Addresses liability and operational exposures for contractors who plow, salt, shovel, or provide other winter property-maintenance services.

Coverage availability and terms vary by insurer and policy. We’ll help you review the details for your landscaping business.

Request a landscaper quote