HortiRisk offers insurance solutions for landscape and arborist contractors who provide services to municipal, commercial and residential customers.

    Table of Contents

  1. Summary
  2. Highlights
  3. Appetite
  4. Info

HortiRisk offers insurance solutions for landscape and arborist contractors who provide services to municipal, commercial and residential customers. Our flexible risk appetite covers landscaping and tree trimming services and incidental exposures to nursery operations, snow removal, plumbing and pool-related services. Proprietary coverage enhancements, coupled with competitive pricing and excess limits, allow brokers to tailor polices for the unique needs of their insureds.

HorticulturePlus is underwritten by a financially secure carrier with an A.M. Best “A” rating and a team of underwriters with more than 25 years’ experience working on these types of risks.

Coverage Highlights

Basis of coverage

ISO-based occurrence forms

Core coverages

  • Business auto crime
  • Property
  • General liability
  • Inland marine
  • Umbrella/excess

Specialty enhancements

  • Broad property enhancement form
  • Broad GL enhancement including blanket AI and per-project aggregate
  • Broad auto enhancement form including towing and labor and GAP coverage
  • Limited pollution incident coverage form available for accidental pollution incidents on or from worksites with various limit options
  • Pollution limited liability coverage extension from designated vehicles available
  • Landscape and arborist workmanship limited E&O coverage available at various limits
  • Limited employment practices liability form available
  • Pesticide and herbicide coverage included
  • No tract housing exclusion
  • No subsidence exclusion on GL
  • Employee benefits liability available


520 Pike St., Suite 1150
Seattle, WA 98101
Phone: 206-858-4900


Contact us for application and supplementals.

Appetite & Availability

Targeted risk appetite

  • All types and sizes of landscape and arborist contractors
  • Landscape hardscape, including rockeries, low walls and paved paths
  • Interior and exterior services
  • Landscape installation and maintenance
  • Hydroseeding contractors
  • Seasonal activities such as snow removal (up to 30 percent of revenue)
  • Arborists/tree trimming contractors
  • Landscape pond installation and repair
  • Artificial landscape turf installation and repair
  • Habitat restoration services
  • Weed control and prevention
  • Landscape contractors with incidental pool work


Available in Arizona, California, Colorado, Arizona, Nevada and Utah.

Additional Information


Appointed brokers

Submission requirements

  • Completed ACORD application for each coverage part
  • Completed program-specific supplemental questionnaire or another carriers
  • Landscaper- and arborist-specific supplemental
  • Four-year currently valued company loss runs valued within 90 days
  • Detailed description of all claims with a total incurred amount of $25,000 or more; will accept no loss or loss letters for smaller accounts
  • Full VIN for all vehicles on ACORD application drivers list, including driver name, DOB, license number, state licensed and accompanying MVRs
  • Complete description of activities, ownership and interest of each named insured

Completed submissions may be emailed to HortiRiskSubmissions@alterisus.com.

All submitted risk and available forms are subject to carrier underwriting guidelines. The above descriptions above do not change or alter any terms or conditions of the policy, nor are they intended to imply coverage for each risk underwritten. Each risk will be underwritten according to its individual risk characteristics and pursuant to carrier underwriting guides, policy terms and conditions.


Steven Hartman

Program Director, Landscape


Jean Pierre Fontenot

Business Development Executive