Landscaping Contract Checklist

Business: ________________ Contact: ________________ Contract holder: ________________ Job or client: ________________ State: ________________ Contract date: ________________ Certificate due: ________________

Use this checklist to request quotes, review certificates, and compare the insurance page in your landscaping contract before work starts.

Ask your agent to confirm these lines and limits shown in the contract requirements:

• Commercial general liability: $1,000,000 each occurrence.
• CGL general aggregate: $2,000,000.
• Products-completed operations aggregate: $2,000,000.
• Business auto liability: $1,000,000 combined single limit each accident.
• Workers compensation: confirm coverage when employees are required.
• Employers liability: $1,000,000 each accident; $1,000,000 disease policy limit; $1,000,000 disease each employee.
• Umbrella or excess liability: $2,000,000 following form over GL, auto, and employers liability.
• Contractors pollution liability: $1,000,000 when the contract pollution provision applies.
• Professional E&O: $1,000,000 when work includes design, design assistance, or professional services.

Request or verify these contract wording items:

• Additional insured status for ________________, the owner, and other required parties.
• ISO CG 20 10 or equivalent for ongoing operations.
• ISO CG 20 37 or equivalent for completed operations.
• CGL, auto, and umbrella are primary and noncontributory when required.
• Waiver of subrogation applies in favor of ________________ on CGL, business auto, workers compensation, and umbrella policies.
• Umbrella follows form over GL, auto, and employers liability.
• Certificate holder name and address match the contract.

Resolve these items before work starts:

• Confirm required endorsements are issued, not only noted on the certificate.
• Confirm completed operations wording is included when the contract requires it.
• Confirm pollution coverage is addressed if the job involves chemicals, disposal, hazardous materials, or environmental cleanup.
• Confirm E&O is addressed if the job includes landscape design, irrigation design, consulting, or professional services.
• Save the certificate, endorsements, policy declarations, and the contract insurance page together.

Open questions for the agent: 1. 2. 3.