At TOR we have you covered. It’s not only do we have over 40 years combined insurance experience but we know landscape. Our Exclusive general liability, commercial auto package and excess liability program is not only one of the most competitive products on the street but we have the broadest coverage for our landscapers. We have “built in” coverage’s that address your specific and inherit risk. With limited pollution, error and omission for arborist and no subsidence exclusions, it’s no wonder landscape go with the best. TOR knows the importance of keeping your company covered and keeping your company financially healthy.

We understand that work comp is a huge expense and because rates for landscapers are inherently high, we contract with insurance companies that provide solutions for each customers situation. Guaranteed cost policies may not be the best answer for some companies depending on their loss history. At TOR we have solutions for companies that are faced with insurance premiums that they may not be able to afford. Whether it’s a low deductible program, retro, loss sensitive, captive or self-insured program for our larger landscapers, we leverage our relationships and networks to find way to keep you profitable. This includes tree (0106) class code, tree trimming.

Are you having problems with open claims? Do you need safety training or OSHA compliance? We know all about it and we can help. Reducing your risk by managing what goes on within your business is where it starts. Don’t wait any longer! Start a new and lasting relationship with a partner that knows business, that KNOWS YOUR business!

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