
Garden centers and greenhouses are customer-facing environments, but they also function as active production spaces. That combination creates safety risks for both employers and customers if hazards aren’t actively managed.
A single slip on a wet floor or an equipment-related injury can trigger workers’ compensation claims, liability exposure, and costly operational disruptions. Prioritizing safety helps protect individuals while supporting long-term business stability, employee retention, and customer trust.
Businesses in the horticulture industry need to manage a unique mix of retail, warehouse, and agricultural risks. Common examples include:
Wet walkways and flooring, particularly near entrances, watering stations, and plant display aisles
Sharp or protruding objects, such as tools, shelving edges, and plant supports
Heavy tools and machinery used for lifting, transport, and maintenance
Unsecured hoses and electrical cords that create trip hazards
Storage for chemicals like fertilizers, pesticides, and cleaning agents
Uneven or damaged surfaces in older facilities or outdoor areas
Slips, trips, and falls account for more than 450,000 workplace injuries each year, according to the U.S. Bureau of Labor Statistics. In garden centers and greenhouses, moisture, soil, and seasonal traffic make slip-and-fall prevention tactics especially important.
Keeping floors clean and dry throughout the day
Addressing spills and tracked-in water immediately
Using non-slip mats in wet areas
Repairing cracked or uneven flooring
Keeping walkways clear of tools, boxes, and hoses
Free loss control and safety materials are available to all Hortica customers.
On a rainy day, visitors and employees at a garden center tracked water and mud onto an uncarpeted retail area. An employee walking across the retail area slipped and fell on the wet surface, resulting in injuries to her hip and shoulder, as well as closed-head trauma.
She suffered permanent partial disability to her hip and shoulder, requiring significant medical treatment. Healing problems resulted in a 25% disability rating, and her head injury led to a cognitive deficiency that prevented her from returning to her position.
Between medical, disability, and retraining expenses, total costs for this case exceeded $825,000. The business also incurred uninsured costs for elevated insurance premiums, negative public image, and a punitive jury award.
The investigation identified gaps in maintenance of the tile flooring. The floor coverings routinely became oversaturated during wet weather, but the business had no procedures in place to change them as needed.
Additionally, the business hadn’t taken steps to remind employees to wear proper footwear during wet weather.
Policies alone don’t prevent injuries. The strongest protection comes from a culture where safety is built into daily routines and leadership expectations. The practices below outline how you can make safety part of your everyday operations.
A strong, intentional safety program delivers returns that extend well beyond injury prevention, including:
Reduced liability exposure and potential legal issues
Possible insurance premium savings
Improved staff morale and retention
Stronger customer satisfaction and loyalty
A trusted insurance provider can help support these efforts beyond coverage. At Hortica®, a brand of the Sentry Insurance Group, we offer on-site safety consultations, training resources, thermographic inspections, and claims trend analysis to help horticultural businesses identify patterns, address emerging risks, and improve overall safety performance.
Ready to enhance safety at your greenhouse or garden center?
Contact our Loss Control and Safety Services team at 800-851-7740 or visit us online to explore how our tailored safety resources can support your operations.
We offer customized liability coverages for your garden center.



*This description is a hypothetical and isn’t based upon any specific individual, entity, or set of facts. Coverages are subject the terms of your policy.
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