Greenhouse & Nursery Grower Business Insurance
the industry specialist – GrowPro®
Types of Greenhouse & Nursery Work We Cover
- Greenhouse Growing
- Nurseries/Nursery Growing
- Garden Centers
- Hydroponic & Aquaponic Growing
- Hemp (Property & Auto coverage)
Green Expertise
With more than 30 years of industry experience, GrowPro horticultural insurance program offers customized risk control, more pricing flexibility, enhanced stock coverages, and better claims service than our competitors. The agriculture and growing industries are rapidly changing and we have the expertise to help keep your business protected from risk.
Specialized Coverages
When it comes to protecting your business and livelihood, it’s essential to have insurance coverage for your unique needs. GrowPro goes beyond the standard insurance products to offer specialized coverage, risk control, and claims management to keep your business safe and help you grow.
Local Experience & Service
GrowPro is the largest program of its kind, and we work with greenhouse and nursery growers in every corner of the country. No matter where your business is located, we have the experience and expertise to get you exactly the coverage you need to thrive.
Why Work with NIP Group?
30 Years
A+ (Superior)
Industry Expertise
Specialized Coverages
Competitive Rates
Superior Customer Service
Coverage Examples
General Liability
A basic insurance policy issued to businesses to provide coverage against liability claims. General liability protects against claims ranging from bodily injury and property damage from out of premises, operations, products, and completed operations.
Show Example:
One of your garden center employees is helping to load gardening equipment, as well as bags of dirt and mulch into a customer’s vehicle. While loading, the employee drops a heavy piece of equipment that strikes the customer and causes injury. A general liability policy will most likely cover the injuries to the customer due it being related to the work being performed.
Automobile Liability
Insurance that protects the insured against financial loss because of legal liability for automobile-related injuries to others or damage to their property by an automobile.
Show Example:
One of your employees is using one of your work trucks to transport an order of flowers to a client. While in transit, the employee rear ends another vehicle. Your commercial auto policy would cover the damages, claims, and equipment costs incurred.
Property Insurance
An insurance policy for businesses that insures against damage to their buildings and contents due to a covered cause of loss, such as a fire. The policy may also cover loss of income or increase in expenses that result from property damage.
Show Example:
Due to a severe hail storm, your primary greenhouse location is damaged. In addition, the growing equipment and crops inside the greenhouse are also damaged as well. In this scenario, your property insurance would cover the damages to the location and equipment, as well as the cost of the crop loss.
Inland Marine
Insurance policy that covers the loss or damage to any transport by which the property is transferred, acquired, or held between the point of origin and the final destination.
Show Example:
You hire a flatbed to haul a tractor to another one of your greenhouses several miles away from your main locations. While in transit, the flatbed tips over while making a turn causing damage to the tractor being towed. An inland marine policy will cover the damages to the tractor and any additional equipment being transported.
Umbrella Liability
Umbrella or excess liability insurance covers claims in excess of regular homeowners and auto policy coverage with the main purpose of protecting assets from an unforeseen event, such as a tragic accident in which the business is liable. Both offer similar coverage but differ on how they provide that coverage.
Show Example:
While shopping at your garden center, several customers are severely injured when an industrial shelving units collapses on top of them. The resulting cost of the claims exceed the policy limits of your general liability policy. In this scenario, your umbrella policy would cover the excess costs of the incurred claims.
Crime
A commercial crime insurance policy typically provides several different types of crime coverage including employee dishonesty coverage, forgery or alteration coverage, computer fraud coverage, funds transfer fraud coverage, kidnap, ransom, or extortion coverage.
Show Example:
One of your employees is caught stealing and selling equipment from your nursery. In this scenario, your crime coverage will help to replace the stolen equipment.
Contractors Pollution Liability
Contractor-based insurance policy, offered on a claims-made or occurrence basis, that provides third-party coverage for bodily injury, property damage, defense, cleanup, and related defense costs as a result of pollution conditions arising from contracting operations performed by or on behalf of the contractor.
Show Example:
One of your employees performs a routine pesticide application in your garden center. Immediately after the application, another unsuspecting employee begins watering the treated plants causing the pesticide chemicals causing run off into the surrounding area and local sewer supply. The chemicals cause several people who come in contact with the area to become ill and it is discovered to be a result of the pesticides from your greenhouse. In this scenario, a pollution liability policy would cover the costs of the injuries and clean up costs related to the pesticides.
Employment Practices Liability
Employment practices liability insurance protects employees against resulting litigation, including claims of sexual harassment, discrimination, and wrongful termination.
Show Example:
A former employee of yours has filed a lawsuit against your nursery growing business claiming that they were subjected to sexual harassment in the work environment. In this scenario, an employment practices liability policy will cover the subsequent litigation costs.
Cyber Liability
Cyber liability covers exposures when communicating or conducting business online. Potential liabilities include the internet and email. Online communication tools could result in claims alleging breaches of privacy rights, infringement or misappropriation of intellectual property, employment discrimination, violations of obscenity laws, the spreading of computer viruses, and defamation.
Show Example:
Your greenhouse/garden center launches a new website to promote your products and allow customers to place orders online. Within a few weeks, your website falls victim to cyber attack and data breach. A cyber liability policy would cover the losses due to the data breach.
Workers’ Compensation
Workers’ compensation provides no-fault statutory benefits prescribed in state law by an employer to an employee (or the employee’s family) due to a job-related injury (including death) resulting from an accident or occupational disease.
Show Example:
One of your garden center employees is injured on the job after tripping over a garden hose left laying on the ground. A workers’ compensation policy will cover the work related injury to your employee.
Frequently Asked Questions
Why does my business need greenhouse insurance?
Keeping your business insured is an important aspect to protecting your business from risk or claims that could ultimately put out of business. The right insurance can provide you with the financial stability needed in the event there is an workplace injury, catastrophic event, or severe crop loss in your greenhouse. Additionally, carrying the proper insurance provides your clients with the peace of mind and trust knowing that your business is properly insured.
What lines of greenhouse insurance coverage do I need for my work?
General liability is a standard policy that will help protect your business in the event that their is a claim resulting from the work your business is performing. If your business has a fleet of vehicles, a commercial auto policy will be able to provide coverage generally not available through a personal auto policy. Property coverage is a very important line of business to carry for greenhouse growers, nursery owners, and garden centers particularly if you have multiple locations, a lot of equipment, or would like crop loss coverage. If you regularly transport equipment, an inland marine policy will help to protect your equipment in transit. You may want to also consider an umbrella policy as an added layer of protection in the event any one of your lines of business is unable to fully cover a resulting claim. There are also a number of other coverages available to greenhouse growers and nursery owners that may help your business operate without interruption.
How much insurance should a greenhouse or nursery have?
The amount of insurance you carry is largely driven by the type of work you do. If your business faces a higher exposure to risk in your day to day operations, then you’ll need adequate coverage to cover that risk. It is best to have more insurance than you feel is needed because in the unfortunate event a claim occurs, you don’t risk your business you’ve spent years building.
What is the cost of greenhouse insurance?
The cost of your greenhouse insurance depends on a variety of factors. One of the primary aspects of your business that influences your premium costs is the nature of the work being performed. If the nature of your business has a higher exposure to risk (i.e. a high traffic garden center), then your insurance premiums will generally be higher than a lower risk business. Additionally, the size of your business has a direct result on the cost of your insurance. If your greenhouse requires multiple lines of coverage, these will subsequently drive the cost of your premium up depending on your coverage needs.
What are the most common accidents and claims greenhouse and nursery insurance companies see?
Some of more common claims seen throughout the greenhouse insurance industry include workplace related accidents, such as slip & fall incidents, injury due to equipment, or even exposure due to harmful chemicals. Additionally, greenhouses, nurseries, and garden centers that transport their products tend to also see auto related claims as well. Property claims are also a common occurrence in the greenhouse industry, particularly due to storm and natural disaster related damages. Finally, crop loss due to weather, pests, or other causes is a claim greenhouse insurance companies see throughout the industry.
What should I do if there is incident or claim related to my greenhouse grower work?
The first step to take when a claim occurs is to documents in as much detail as possible. Make note of the location and time of the incident, as well as who was involved, what occurred, and any injuries or damages that may have been sustained. The next step is to contact your insurance company directly to report the claim to them. As a GrowPro client, you’ll be able to utilize our expert claims center to help you manage your claims and ensure your business continues to operate without interruption.
What makes GrowPro’s coverage stand out from other greenhouse insurance companies?
GrowPro offers every client the premier service they need to keep their operations running. Our approach is to provide you with the coverage and protection you want and expect from your greenhouse insurance. Additionally, GrowPro helps you to reduce claims by providing access to our world class risk management services, expert claims assistance, and more. With over 30+ years of industry experience, GrowPro knows exactly what greenhouse growers and nursery owners need out of their insurance coverage.
What is an Experience Modification Rate & how does it influence my greenhouse insurance?
Experience Modification Rate (EMR), also known as eMod or mod rate, is a critical component of an employer’s workers’ compensation insurance premiums. The primary factor that determines an Experience Modification Rate is your greenhouse or nursery business’ prior losses to determine any potential future losses. This information is then used to more accurately price out your greenhouse insurance premium.
Proud Member Of:
