Landscape Services
Krystal Alder
Senior Sales Executive, Commercial and Personal · McCAM Insurance Brokers
Landscape Services Specialist
Meet Your Specialist"From mowers to snow removal, landscape businesses carry equipment and seasonal risk that a standard policy often misses."
Krystal Alder is a commercial insurance broker who's responsive, available, and straightforward with landscaping and hardscaping businesses managing temporary and permanent crews, young workers, and heavy outdoor exposure. Krystal doesn't just place coverage — the goal is making sure clients understand it, identifying gaps, and knowing exactly where they stand.
Known for telling it like it is and following through every time, Krystal works as part of your team, not just another vendor — and when standard solutions fall short, finds options beyond the usual box.
Key Risks for Landscape & Hardscape Businesses.
A quick overview of the exposures landscaping and hardscaping businesses face most often.
Damage to Client Property
Work performed on someone else's property — lawns, gardens, hardscaping — can lead to accidental damage claims.
Temporary & Young Workers
Seasonal crews and young workers on outdoor jobsites bring WSIB, training, and supervision exposures.
Equipment & Tool Loss
Mowers, trimmers, and hardscaping equipment are exposed to theft and damage both on-site and in transit.
Fleet & Subcontractor Exposure
Vehicles moving between job sites and subcontracted crews both carry liability that needs clear risk transfer.
Gaps in Business Interruption Coverage
Seasonal businesses often carry coverage that doesn't reflect real restoration timelines or cash flow needs after a loss.
Does Your Coverage Reflect a Seasonal Business?
Landscape and hardscape businesses run on seasonal crews, outdoor exposure, and tight timelines — risks a generic contractor policy often doesn't reflect.
A coordinated review makes sure your liability, auto, and equipment coverage match how your business actually operates through the season.
Let's Review Your Landscape Services Coverage.
Tell us a bit about your business and a McCAM specialist will review where you may be exposed — no obligation.