Before we can understand the concept of insurance coverage for the Nursery, we must first define the operation.

Nurseries are the retail and wholesale market for trees, shrubs and decorative plants. Some offer landscaping services for a broad range of home owners, apartment complexes and business sites as well. There are even several nurseries that offer landscaping architectural design services.

Because of all this, nurseries are under a special insurance class reserved for agribusiness, warranting customized coverage that includes liability exposures and greenhouse management exposures. If a nursery uses pesticides and herbicides either on or off-premises or it has above or underground tanks that store chemicals, herbicides, pesticides and fertilizers, it also needs pollution insurance coverage.

Due to the high risk of employee injury as a result of heavy lifting and exposure to nursery chemicals, related workers comp is a necessary coverage component.

Commercial fleets of trucks and other types of equipment at the nursery may create atypical exposures as well.

Crop coverage is dealt with as part of the federal crop insurance programs.

For a more in-depth discussion about Nursery Insurance and how it applies to your retail/wholesale outlet, it is best to speak to an agent that is associated with an experienced independent insurance agency.

PRIME Insurance is a three-generation family-run independent agency. We’re proud partners with many of the leading companies in the industry – big names such as ACE, AmTrust, ASI, ASSURANT, CHUBB, CNA, Employers, FOREMOST, Liberty Mutual, MetLife, PROGRESSIVE, Safeco, StillWater, Travelers, USLI, ZURICH and more. This gives us the ability to provide all forms of nationwide coverage at competitively lowest quotes. Visit us on our online insurance website; email us at PRIME [at] primeins [dot] com or call us at 732-886-5751 and HAVE A PRIME DAY™!

Summary: Nurseries have unique and individualized exposures, necessitating tailored commercial insurance coverage.