It’s peak season and you’re watching the shopping lines extend down the aisle from the cash register, customer carts are overflowing with plants, flowers, and garden décor. Your garden center is filled with a continuous cycle of customers and revenue is booming. But what if something suddenly goes wrong?
If a catastrophe happens, your insurance policy can quickly become your knight in shining armor. But do you have a policy capable of rescuing you from potential risks and financial loss that can occur without warning? Let’s find out. This insurance guide for garden centers outlines common risks and appropriate coverages to help you determine if your business is properly insured.
Whether you’re an independent, family-owned garden center or part of a larger big-box business, you face risks every single day.
Common garden center risks:
From onsite injuries and accidents to severe weather, use your daily what-ifs as a checklist to help ensure your insurance policy suits your business.
Meet with your insurance agent to identify exposures and work together to select the type and amount of coverages that align with those exposures. You don't run a one-size-fits-all business, which means you shouldn't choose one-size-fits-all insurance solutions.
Garden center insurance can help protect your business, covering your property, employees, customers, equipment, plants, and inventory. In the event of a catastrophe or disruption, it can play a large role in your business’s recovery success.
Review your state requirements for business insurance, and determine whether the following coverages are right for your unique business:
An important consideration in securing appropriate insurance for your garden center is knowledgeably selecting an appropriate insurance provider. Rather than price shopping for the lowest premiums, weed out the standardized insurance companies and focus on one that specializes in your industry and understands your business and risks.
Hortica® is a brand of Sentry insurance Group. Hortica property and casualty coverages are underwritten, and loss control services are provided, by Florists’ Mutual Insurance Company, Florists’ Insurance Company, and Florists’ Insurance Service, Inc. Tailored coverages, like floral holiday seasonal increases, are provided specifically for businesses like yours within the horticultural industry.
“We offer a full range of horticultural business insurance services and specialized coverages through our HortAdvantage,” states Traci Dooley, national agency sales director for Hortica. “From quick claims service to providing safety checks of your business, we’re here to help with risk management and to properly insure your biggest investment.”
With 135 years serving just the horticulture industry, notes Dooley, “We’re not only experienced in your industry, but we also know construction and materials, allowing us to help you with quick and quality post-damage recovery. From your initial quote request onward, you can count on us to provide responsive service and quality coverage.”
If you have any questions about insuring your garden center or would like to review your current policy, contact us today or request a quick quote.
Discover the risk management solutions and loss control programs available to help protect your employees, customers, inventory, and bottom line.
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Understand the steps and what to expect during a safety visit from your insurance provider.
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