Lawnmower-Workers Comp Lawcare

Niche Workers’ Comp Programs

Lawnmower-Workers Comp Lawcare

Lawncare and Landscaping

Program Highlights:

New Ventures Welcome
Lapses
Special Tree Trimming Program

housekeeper making bed

Domestic Employees

Program Highlights:

Exclusive to Omega
Employees In the Home
Minimum 1 Full-Time Employee

housekeeper making bed

Home Healthcare and ALFs

Program Highlights:

In many states, we can consider risks without prior.

roofers installing roof

Roofing

Program Highlights:

New Ventures Welcome
$10,000 Minimum Premium
20-30 Day Lead Time

roofers installing roof

Artisan Contractors

Program Highlights:

Many Classes without Prior
Minimum 1-2 Full-Time Employees

beach condominiums

HOAs/POAs/Condo Associations

Program Highlights:

On “IF ANY” basis with employees
Available in most states
Send with $1,000 in payroll to meet minimum premium

Dump Truck Driver

Dump Trucks

Program Highlights:

Owner operators are ok if they are the only employee as long as the owner is included at the state minimum.
Max radius is 200 miles
Materials hauled we would typically want aggregates (sand, gravel, dirt, rock, and mulch)
Class is open in all states aside from monopolistic states
New ventures are ok (no prior needed)
No freight forwarding operations or trucking brokers
Must have WC ACORD and Dump Truck supplemental

Tree workers trimming palm trees

Tree Trimming

Program Highlights:

1-3 Years Prior WC History Required

Tree workers trimming palm trees

Security Guards

Program Highlights:

Risks with armed guards is only available in FL, GA, IL, IN & MI
Risks with only unarmed guards are available in all states with prior WC history.
The minimum premium is $5,000. Send WC ACORD with loss runs if they have prior. If no prior, please include the owner’s resume. We also need our supplemental questionnaire.