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Author, Drew Garcia, Vice President, Landscape Group, Rancho Mesa Insurance Services, Inc.
Rancho Mesa provides our clients the key components for building the infrastructure of a modern-day safety program through the SafetyOne™ Platform. By fundamentally layering your safety program through SafetyOne, you will build a system that can keep up with your growth, measure your goals, and keep your organization engaged.
During a recent interview at NALP’s ELEVATE Conference, RMI Landscape Vice President Drew Garcia joined Bill Arman from The Harvest Group to discuss how landscape companies can take greater control of their insurance outcomes. The conversation dives into practical ways businesses can reduce risk, tighten operations, and make everyday decisions that lead to stronger coverage and more favorable premiums. Fewer incidents in the field, better processes, and a proactive mindset can make a measurable difference.
Author, Greg Garcia, Account Executive, Rancho Mesa Insurance Services, Inc.
This year’s National Association of Landscape Professionals (NALP) Leaders Forum took place in beautiful Santa Barbara, CA, just up the coast from San Diego. As always, this is one event that my brother Drew Garcia and I really enjoy going to every year. In fact, this marks Rancho Mesa’s 8th consecutive year sponsoring this event.
Rancho Mesa's Vice President of the Landscape and Tree Care Group, Drew Garcia, interviews Bryan Mours, founder of Mours Enterprises, where they explore the technology being used to reduce risk within the landscape industry.
Author, Drew Garcia, Vice President, Landscape Group, Rancho Mesa Insurance Services, Inc.
The experience modification rate (ExMod or MOD) is a measure produced by insurance rating bureaus to summarize a company’s claim history versus their industry peers. A rating generated below 1.00 is considered a credit to the workers’ compensation policy while a number above 1.00 is a debit. The ExMod has a direct impact on the cost of workers’ compensation insurance.
Author, Greg Garcia, Account Executive, Rancho Mesa Insurance Services, Inc.
One of the biggest liabilities that any landscape company faces occurs every day. This liability has nothing do with planting, mowing, trimming or irrigation work, in fact this exposure begins before any of the actual work takes place. Auto liability continues to be one of the most significant exposures every landscape company takes on when sending commercial vehicles out onto the road.
Author, Drew Garcia, Vice President, Landscape Group, Rancho Mesa Insurance Services, Inc.
Landscape businesses are well aware of the risks associated with their employees operating vehicles on a daily basis. The commercial insurance market has also taken notice of the risks and responded with rate increases and a diminishing appetite to write the policies.
Author, Greg Garcia, Account Executive, Rancho Mesa Insurance Services, Inc.
Travelers Insurance’s peer data from 2020 to 2025 report showcases the top work-related injury causes within the landscape industry. Looking at the top of this list, slip/trips/falls as well as strains account for roughly 40% of the injuries reported.
Landscape maintenance contractors with large fleets of service trucks are tough to place in the current insurance market. This, along with a hardening general liability market has lead to some frustrating insurance renewals.
Rancho Mesa Insurance’s Green Industry Practice Group has helped over a 100 landscape and tree care customers currently operating across the country with navigating this turbulent market. Connect with them for a more detailed review of your company’s insurance placement needs.
Author, Drew Garcia, Vice President, Landscape Group, Rancho Mesa Insurance Services, Inc.
The property and casualty insurance market continues to impact landscape contractors resulting in increased costs, changes to carrier appetites, and overall concerns for insurability. There are four areas of focus your business can review to help manage the things that are somewhat unpredictable during this difficult insurance market