Special Property and Casualty Program

Alper Dealer Program Benefits:

  • Team dedicated to servicing the lawn and garden industry

  • 24-hour claim services

  • A.M. Best "A" rated or higher Insurance Companies 

  • Human Resources and HR Support


Program Highlights:

  • Installation and transit coverage

  • Interest-free payment plans

  • Coverage for repairs

  • Enhanced replacement cost

  • Liability limits apply per location

  • Blanket additional insureds


Coverages Include:

  • $10,000 Installation Floater

  • $10,000 Fiduciary Liability Limits

  • $10,000 Employment Practices Coverage (higher limits available)

  • Cost to remove brands or labels from damaged goods

  • $25,000 personal property at unnamed locations

  • $5,000 computer fraud

  • $50,000 ingress/egress

  • $10,000 utility services—direct damage and business income

  • 25% additional building limit at time of loss

Optional Coverages:

  • Cyber coverage for security breaches

  • Payroll Processing

  • Executive Protection

  • Event Cancellation

Eligible Operations

Lawn and garden dealers:

  • With less than 25% rental sales

  • With less than 25% repair sales

  • Without landscaping operations

Appliance and electronic sales included.



For more information, please contact:

Gary Kirshenbaum at


**This program is separate from the online Dealer Inventory Program.


Click below to download the
questionnaire and submit to
Gary Kirshenbaum at




Alper Services 
410 N. Michigan Ave, 12th Flr
Chicago, IL 60611