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Secure Your Nursery and Garden Center Business With The Right Insurance

Insurance for Nursery and Garden Centers

Operating a successful plant nursery or retail garden center requires more than just growing beautiful plants and assisting customers.

Running a plant nursery business comes with inherent risks that could jeopardize your company financially.

Imagine a customer falling and getting injured in your nursery or employees getting hurt on the job.

Are you prepared to handle such mishaps?

What if the inventory gets damaged from a storm, leading to expensive claims, lawsuits, and disruptions? Get the protection you need today by insuring your business. 

Protect everyone and everything you own with the right commercial insurance coverage from The Allen Thomas Group.

Table of Contents

Insurance Coverage Types You Need For Your Garden Store

America’s nursery, greenhouse, and garden center industry generates over $20 billion in sales revenue annually, supplying vital plant products to retail and commercial clients. 

As a nursery owner, you nurture living products that bring beauty and life to residential and business properties.

However, owning a planting business comes with substantial risks, ranging from liability claims to fire damage, crop loss, employee injuries and delivery mishaps that could harm your company’s finances. Proper insurance creates a safety net, allowing you to manage risks and continue growing your operation confidently.

General Liability Insurance

General liability insurance provides the first line of protection against customer and third-party injury lawsuits – one of your business’s most significant risks. Situations including slip-and-fall accidents on your premises, plant products injuring customers, or delivery vehicle accidents could all lead to substantial claims. 

Liability coverage covers the possible legal expenses and payouts if your business is deemed responsible for property damage, bodily injuries, or other harms. 

Typical policy inclusions are:

  • Premises liability – Covers injury claims occurring on your business property. 
  • Product liability – Protects against injuries/damage caused by plants you grow and sell.
  • Personal and advertising injury – Covers claims arising from misprints, copyright issues, or false advertising.

Even with strict safety protocols, accidents still happen. It is here that liability insurance coverage applies an extra layer of security.

Commercial Auto Insurance

Nurseries using a vehicle to pick up plant shipments from vendors, deliver materials to landscaping contractors and retail customers and accomplish other business transportation needs need this type of coverage.  

Commercial auto insurance can help provide essential protection by covering third-party damage/injury liability and damage to your own vehicles in use for business purposes. 

Commercial Property Insurance

From growing equipment to greenhouses to inventory, nurseries have substantial property exposures at risk in their operations. Fire, extreme weather, theft, and accidents could cause significant damage.

Property insurance pays repair or replacement costs for insured assets damaged by covered losses, such as fire, smoke, wind, winter storms, theft, and vandalism.

Typical coverages include:

  • Buildings – Greenhouse structure repairs/reconstruction.
  • Business personal property – Covers growing equipment, supplies, irrigation systems, and inventory.
  • Business income – Replaces income lost while shut down after a covered loss.

Having adequate property insurance can help your nursery recover after a devastating event.

Equipment Breakdown Insurance

Nurseries rely on climate control systems, irrigation equipment, and other specialized machinery to nurture growing plants. Just when you think you’ve protected your equipment, electrical surges or mechanical breakdowns could cause major disruptions.

Equipment breakdown insurance is one of the most important plant nursery insurance options that covers repair or replacement costs for damaged equipment due to:

– Short circuit
– Power surge
– Boiler explosion
– Mechanical failure

It also covers business income lost while your operations are interrupted after a breakdown of equipment. This coverage is crucial for nurseries relying on integrated growing systems.

Workers’ Compensation Insurance

Between lifting heavy loads, operating power machinery, and exposure to chemicals, employee injuries remain an ever-present risk during nursery operations.

Workplace accidents resulting in claims like strains, fractures, burns, cuts, or exposure issues could result in costly workers’ compensation claims. 

Most states require nurseries to carry workers’ compensation coverage.

It covers lost wages, medical expenses, and rehabilitation costs related to job injuries.

Errors and Omissions Liability Insurance

Providing faulty growing instructions or guidance to customers could lead to losses if plants get damaged.

Even simple issues like mislabeling a tree variety could open your business to an error and omissions claim.

E&O coverage protects against financial harm resulting from professional mistakes or negligent advice that damages a client’s property or interests.

It covers legal expenses and financial judgments from covered claims.

For example, you mistakenly label an apple tree and your customer spends money and time to grow it.

At the end, they find that they have been wasting time and money on the wrong tree.

You could be held liable for the financial expenses and the time spent on growing the wrong tree.

Luckily, this is where E&O liability coverage can come to your rescue and help protect your future investments.

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Smart And Easy Insurance Solutions

Choosing the Right Nursery Insurance Provider

Nursery and Garden Centers insurance

The right insurance advisor combines horticultural industry knowledge with a carrier network to craft protection specific to your business model.

Don’t settle for one-size-fits-all nursery insurance packages. Get a customized insurance program.

When looking for an insurance provider, look for the following traits:

  • Specialized Industry Experience
  • Multiple Carrier Options
  • Risk Management Services 
  • Personalized Services
  • Affordable Rates
  • Comprehensive Coverage Options
  • Risk Management

At The Allen Thomas Group, these qualities are the hallmarks that drive our business. We are happy to help you find the best insurance coverage for persons operating nurseries that meet certain criteria. 

Getting The Right Insurance For Your Nursery Business

Yes, It's Really That Easy

We know how frustrating and complex the process of finding the right coverage and getting a COI can be and how it slows down your ability to care for your customers.

Let us help fix it for you in 3 easy steps.

Step 1: Assess

Tell us about your specific needs and we will find the right policy for you.

Step 2: Review

Review the results of our search.

Step 3: Service

We will walk you through your new policy step by step.

Get Precise Coverage For Your Company In Minutes

It Just Takes A Few Clicks

Our Customer Reviews

Nursery Insurance FAQs

A robust general liability policy is the most essential form of coverage for your business.

You may consider adding E&O coverage to protect against professional mistakes.

Most experts recommend $1 million to $2 million in liability limits.

Absolutely. With substantial plant inventory and property at risk, having coverage for income lost due to suspended operations after a fire or storm gives peace of mind during the recovery and rebuilding process. 

Discounts may apply for risk management practices like installing sprinklers and alarms, having proper security protocols, driver safety programs, employee training, and participating in loss control.

An experienced insurance provider can maximize credits, considering plant inventory value.

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Our Carrier Partners


That allows us to find the best insurance rates for your business

Protect Your Nursery & Garden Center With Specialized Insurance Coverage

Nursery insurance is available with The Allen Thomas Group.

Take advantage of our insurance industry expertise and insurance company relationships to help you tailor a program designed specifically for your retail garden center.

We leverage our 20 years of experience in providing the best types of insurance coverage for businesses.

We understand the risks nurseries or garden centers face and are flexible in structuring monoline or package policies to meet your needs and budget. 

The Allen Thomas Group is dedicated to providing you with ongoing support throughout the policy term and at renewal to update coverage as your plant grower business evolves.

With us, you get access to risk management guidance and credits to improve workplace safety and security and protect you in the event of a catastrophic liability that causes injury or property damage or other losses.

Don’t trust your essential business assets to generic insurance.

Work with our nursery insurance specialists.

Contact The Allen Thomas Group today at (440) 826-3676 to discuss protecting your operation.