Unexpected property loss or damage is almost inevitable—whether it’s from fire, storm damage, theft, or breakdowns. You can customize your commercial property insurance coverage based on your buildings, equipment, inventory, income, and other exposures.
Lawsuits following slips, trips, and falls are a significant threat to your bottom line and reputation. Liability insurance can help you protect your business if someone is injured at your location, or if you sell a product that is defective and causes injury or property damage. It can also include cyber liability coverage to help protect against losses if your customer data and financial records are compromised.
Protecting your employees after an on-the-job injury is important. So is protecting your business from litigation. Workers’ compensation coverage can help cover medical and related expenses for your employees who are injured while working.
Deliveries and transporting equipment are typical day-to-day activities for horticultural businesses. If your employees get into an accident during work-related activities, your business can be sued for damages. Commercial auto insurance can help cover losses related to accidents that happen when you're using a vehicle for your business.
This optional coverage picks up where your standard liability policy coverage ends. It provides an extra layer of coverage that can help protect your business in the event of a catastrophic liability loss or a major judgment against you or your company.
Your own home and vehicle also need insurance protection. Our insurance agency, Florists' Insurance Service, Inc., makes it easy and convenient to get insurance policies and coverages that go beyond horticultural business insurance.
We offer a full range of horticultural business insurance services. From quick claims service to providing safety checks of your business, we’re here to help with risk management and to insure your biggest investment.
Protect your horticultural business from top risks
To provide the best possible protection, tailor your insurance coverage to reflect the risks you face. Here are six top horticultural business risks and the coverages that can help reduce losses.
Do you have proper insurance for your garden center? We’ve outlined potential risks and appropriate coverages in this guide to help you determine if your business is adequately insured.
Use our business continuity 101 guide to prepare for business interruptions, maintain operations, protect assets, and reduce downtime after an incident.