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.”
Discover the risk management solutions and loss control programs available to help protect your employees, customers, inventory, and bottom line.
Learn about three critical types of business insurance coverage that can also play major roles in helping protect your horticultural company.
Understand the steps and what to expect during a safety visit from your insurance provider.
The general information contained in this article is for informational or entertainment purposes only. The information in this article is provided “AS-IS” WITHOUT ANY WARRANTIES of any kind. Florists’ Mutual Insurance Company, its subsidiaries, or affiliates (Companies) do not accept any responsibility related to the content or accuracy of the information contained in this article. The information contained in this article should not be mistaken for professional or legal advice. Any use of this article or any third-party website linked to this article is at the risk of the user. THE COMPANIES ARE NOT LIABLE TO ANY PERSON OR ENTITY FOR ANY DIRECT, INDIRECT, OR CONSEQUENTIAL DAMAGES ARISING OUT OF THE USE OR INABILITY TO USE THIS ARTICLE OR ANY THIRD-PARTY WEBSITE LINKED TO THIS ARTICLE. The views and opinions contained in third-party websites referenced in this article are the views and opinions of third-party authors and may not represent the opinions or policies of the Companies.