Landscape and Tree Contractors Exclusive Insurance Program


General Liabiity Specifics
  • No subsidence exclusions
  • No residential exclusions
  • Blanket Additional Insured Protection–Included
  • Completed Operations Additional Insured
  • Limited Professional Liability–Covers Landscape & Arborists
  • design & build (automatically attached)
  • Pesticideor Herbicide Applicator Coverage (automatically attached)
  • Lawn Care Services–Limited Pollution Coverage
  • Per Project Aggregate–available
  • Wraps/OCIP’s off-site coverage available
  • Employee Benefits Liability
  • Excess Liability
  • General Liability coverage extensions for broadened name dinsured, Coverage Territory enhancement,Supplementary Payment sIncreased Limits, Broadened Property Damage and many more
Auto Specifics
  • Pollution Liability BuyBack/Upset & Overturn-automatically included
  • Flexible auto liability and physical damage deductibles
  • Drive other Car (DOC)–available for eligible drivers
  • Youthful drivers with clean driving records accepted
  • Company & private passenger vehicles
  • Auto coverage extension for rental reimbursement for private passenger vehicles,leasegapcoverage,glass repair waiver and many more
Property Specifics
  • Building Business Property
  • Office Property
  • Property extension coverages for Data & Media,Extra Expense,Property in Transit,Property Off premises,Property in or on Vehicle,Money and Securities,Arsonor Crime,Reward Coverages and many more.
Inland Marine Specifics
  • Scheduled Contractors Equipment
  • Unscheduled Contractors Equipment
  • Installation Floater (no exclusion for Trees,Plants & Shrubs)
  • Rented & Leased Equipment
  • Additional industry supported coverages;Valuable Papers, Accounts Receivable,Fine Arts,etc.
Automatically Included
  • Employee Benefits Liability
  • Auto Pollution Liability Buy Back- Up set & Over turn
  • Excess Liability
Payment Highlights
  • Multiple premium finance plans
  • Flexible deposits and installment plans
  • Divect Pay
AM Best A- (Excellent) VIII


Coverages Included in Package
  • General Liability
  • BusinessAuto
  • Inland Marine-Contractors Equipment
  • Property
  • Crime
Residential and Commercial Coverages
  • Landscape Maintenance
  • Landscape Construction
  • Synthetic Turf Installers
  • Irrigation System Installation & Repair
  • A rborists/Tree Trimming
  • Hydro Seeding
  • Nurseries and Nursery product sales
  • Greenhouses
  • Pond Installation & Repair
  • Weed Control
  • Landscape concrete curbing/paving
  • Habitat Restoration Services
  • Excavation with limited ornamental planting/tree and fencing work
  • Landscapers with incidental snow plowing and/or street cleaning
  • Landscapers with ancillary pool work such as decorative tile,rock,
  • decking and limited plumbing work
  • Landscape Consultants & Architects (except Errors & Omissions)
Program Highlights
  • Tract home or multi-unit developments – Not Excluded
  • Cranes,boom trucks and bucket trucks eligible
  • New ventures OK with 3 years experience in the industry
  • Multiple premium finance plans
  • Flexible deposits and installment plans
Services Included
  • Dedicated Certificate Unit-24hour turnaround
  • Customized claims oversight
  • Claims handled by a leading National Claims Administrator
  • Loss Control
  • MVRs run for new hires
  • LCIS Business Services (legal,HR,safety and more)

Transfer of Risk is what we do, relationships is what we build!

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Patty has handled my insurance for years. I trust her to find me the best rates while ensuring my coverage is complete. I highly recommend her.

My car insurance would have been cancelled if it wasn’t for TOR caliing me & alerting me!  In addition to them finding me low cost car insurance for FREE!

Domingo/Diego is really great at responding  to my questions in a quick response and always takes the time to answer all my questions.



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TOR Insurance Services, Inc.​
201 N. Harbor Blvd
Suite 212
Fullerton, CA 92832