The product facts behind the view.
- PlantScapePro is NIP’s program for indoor plantscaping and landscape installation, including living walls and rooftop landscapes or green roofs. [1]
- The eligibility section identifies businesses with at least 25% indoor plant maintenance or indoor landscaping, and lists a $10,000 package minimum. [1]
- Its published coverages include general liability, auto, property, inland marine, umbrella, crime, contractors pollution, employment practices, cyber and workers compensation. [1]
- The page discusses blanket additional-insured wording, a bodily-injury extension and auto pollution broadened coverage. [1]
This is an individual program of NIP Group. Review its own product scope separately from the other offerings.
Questions to resolve before binding.
Use these illustrative scenarios to review a proposal. They are questions to ask, not statements that a loss is covered.
An irrigation connection leaks into a tenant’s premises
Who installed and maintained it, and what property was damaged? Review ongoing and completed operations, water-related exclusions and contractual obligations.
A rooftop installation damages the existing roof
Does the proposal address the installation, access methods and building damage? Ask about work exclusions and design responsibilities.
A service contract requires the building owner to be an additional insured
Does the actual endorsement meet the written contract for the work performed? Compare ongoing and completed operations requirements.
A better submission starts here.
Hedge’s preparation guidance for this placement:
- Identify indoor maintenance, installation, living-wall, rooftop, outdoor-landscaping and chemical-application revenue separately.
- Describe installation height, access equipment, irrigation connections, water-damage controls and property of others.
- Provide service contracts, subcontractor details, equipment and vehicle schedules and four years of loss runs.
Include the named insured, locations, requested lines and limits, effective date, existing applications and available loss information. Start with what you have; we can identify what is missing.
Legal entities and underwriting.
The market name, licensed producer and insurance company can be different entities. These are the names and roles identified in the cited disclosures.
NIP Group, Inc. [2]
Program administrator
The cited product page identifies the program and administrator, but does not identify one legal insurer for every proposed coverage. Confirm the insurer, coverage forms and any separate placements on the actual quote. [1]
Registration and license details identify an entity and its role. They do not by themselves establish that a particular product, state, limit or account is eligible.
The practical questions.
How do I get a quote with NIP PlantScapePro?
Choose “Get a quote with NIP PlantScapePro” and tell us about your client. Hedge carries your market selection into the submission, helps complete the account and works on the available terms. You can review the proposal before making a coverage decision.
Does this profile confirm my account is eligible?
The published specialties are a starting point. State, business activity, loss history, requested coverage, limits and effective date can change eligibility. The sources used here do not provide a complete state-by-product matrix. The actual proposal and policy forms determine coverage.
Is this an independent rating of NIP PlantScapePro?
No. Hedge is an insurance intermediary and has a commercial interest in helping agents place business. Our commentary explains the placement questions we draw from the cited material. It does not report a customer satisfaction score, firsthand claims experience or an endorsement by NIP PlantScapePro.
Read what we read.
Product facts were checked against the official material below on November 1, 2026. Our commentary is identified as Hedge’s analysis. Market websites and underwriting terms can change.
- NIP PlantScapePro official product information ↗Checked November 1, 2026
- NIP Group operating identity ↗Checked November 1, 2026
Published by Hedge Specialty. Send a correction if a product or program has changed.
What stands out, and why it matters.
The indoor-work mix is an appetite question.
The program’s eligibility section calls for at least 25% indoor plant maintenance or indoor landscaping. [1]
Use current operations and revenue detail to explain the mix. A business that occasionally maintains a lobby plant may present a different submission from one installing and servicing large indoor landscapes.
Living walls and roofs change the property at risk.
NIP’s page specifically identifies installation or construction of living walls and rooftop landscapes or green roofs. [1]
Explain attachment to the building, irrigation and drainage, access equipment and design responsibility. Ask how the proposal treats damage to the existing building, not just the plants or installation itself.
Client contracts and chemical transport should be reviewed separately.
The page discusses blanket additional insureds and auto pollution broadened coverage. [1]
Bring the maintenance agreement and describe chemicals carried or used. Compare required insurance with the proposed endorsement, and distinguish a vehicle release from damage during indoor servicing.