|TrimRisk - Frequently Asked Questions What is Trim Risk?
Established in 1999, Trim Risk is an insurance
program designed for landscape contractors, lawn maintenance companies,
nurseries and tree services that are based in Arizona. The program is
exclusively available through Hill & Usher.
Who is Hill & Usher?
Hill & Usher is a retail insurance agency
specializing in insuring landscapers and other contractors. We have the
product, the carrier, the knowledge and the service landscapers can
count on. Currently, Hill & Usher insures more than 100 Arizona
landscapers and more than 4,000 other customers.Hill & Usher was
recognized as Arizona's #1 Insurance Broker by readers of Ranking
Where do premiums start?
Minimum premiums begin at $1,000 per annual period.
How is my premium determined?
Premiums are determined by a number of factors,
including: Your physical location; value of your insured equipment and
other property; number of years in business; vehicle inventory; annual
payroll volume; and previous history of claims.
What coverage is included in a Trim Risk policy?
Trim Risk is highly flexible and can accommodate
operations of many sizes, so no package is quite the same. Most
insured's select a policy that includes General Liability, Commercial
Automobile, Property and Tools & Equipment. Additional, optional
coverages include Crime, Installation Floater, Nursery stock, and
Who is eligible for coverage?
Any landscape installation contractor, maintenance
contractor, nursery, or tree service based Arizona who also meets the
carrier's underwriting criteria. California, Nevada, and Utah
operations may also be eligible.
What if I perform work other than landscaping?
Additional operations, including extruded curbing
installation, snow removal, patio/masonry construction, and janitorial
service may be eligible, but will be considered on a case-by-case basis.
How quickly may I activate coverage?
In most cases, a Hill & Usher representative will
respond to your inquiry within 48 hours. We are certainly willing to
handle urgent inquiries. Please contact 602-956-4220.
What do I need to provide Hill & Usher to obtain a quotation?
We need the following documents in order to provide
you with a firm quotation: Supplemental application (see download
applications); Loss History from your prior five years insurance
companies (call us at 602-956-4220 for assistance with obtaining
these); and copies of Automobile registration documents (so that we may
notify the AZ Department of Motor Vehicles that you have valid
May I work on condominiums and tract housing developments?
Yes. Our standard policy does not exclude coverage
for multi-family or single family new construction. Please contact our
office to confirm your coverage if you have not discussed it with us
What if I do some design work in conjunction with my operations?
Our standard policy will include "Design" Errors
& Omissions as part of your General Liability limit to protect you
for your work in designing brick patios, swimming pools, water grades,
and other installation projects. No coverage is provided automatically
for design work not installed or constructed by you.
I am a licensed pesticide/herbicide applicator. Am I covered?
Yes. Trim Risk extends liability coverage to you for these operations.
I need a blanket Additional Insured endorsement. Is this available?
We automatically include a blanket additional insured
endorsement for all premises operations, provided you contact us in
advance of performing the work.
What is a Per Project Aggregate endorsement. Is this available in Trim Risk?
A per project aggregate endorsement modifies your
General Liability policy so that you have a separate and distinct limit
of coverage for each project upon which you work. For example, if you
perform work at one location, and are sued for bodily injury, your per
project aggregate will restore your limit of insurance for your next
project. This valuable extension is included automatically in Trim
Risk's program provided you notify us of the project in advance.
Do you cover damage to Rented, Leased or Borrowed Equipment?
Most of our policies automatically extend coverage
for rented or borrowed equipment at a limit of $10,000. Coverage may be
increased for an additional premium.
How are my owned Tools and Equipment covered?
Typically, non-scheduled and miscellaneous tools
valued under $1,000 are covered under a blanket limit of coverage, as
specified in your policy. Larger, more valuable equipment may be
scheduled on the policy at an actual cash value limit you specify.
Am I able to insure other property including computers, contents, stock, and plants awaiting installation?
Yes. These coverages may be added to your policy at any time. Please contact our office for further information.
Are Payment Plans Available?
Yes. A multitude of payment plans are available.
How do I make a change to my policy?
Contact our office at 602-956-4220 or visit http://service.hillusher.com
The descriptions of
coverage provided to you on this website do not alter or replace the
actual policy issued to your firm. For an exact explanation of
coverage, please refer to the policy. In the event of a claim, the
actual policy in force at the time the loss occurred will dictate
coverage and limits.
|Why Choose TrimRisk?
TrimRisk is an insurance program designed exclusively for landscapers
and tree trimmers. TrimRisk is designed to protect you from risks
common to your operations while allowing you to be flexible in how you
work and what work you do.
Need more information about TrimRisk? Contact one of our licensed insurance professionals by phone or email for assistance.
"We proudly serve all segments of the landscaping industry. I am
confident you will appreciate the value of our products and the
convenience of our service."
Richard B. Usher,
Hill & Usher