Protect the business you’re growing

Excavation can damage buried services, while grading errors or incorrectly installed patios can lead to property damage and client claims. 

Flying mower debris, damage to client plants, and stolen tools can lead to repair costs, liability claims, and interrupted work. 

Slip-and-fall allegations, plow damage to parked vehicles or sidewalks, and stolen equipment can create liability claims and disrupt winter services. 

Storm or fire damage to outdoor plant stock, theft, and damaged irrigation equipment can affect saleable inventory and disrupt client orders. 

Heating failures, damaged greenhouse glazing, and irrigation breakdowns can harm growing plants and interrupt production ahead of seasonal sales. 

Wet walkways, damaged deliveries, and hail affecting outdoor plant displays can lead to injury claims, stock losses, and lost sales. 

Often, not fully. Standard general liability policies often exclude or sharply limit claims tied to chemical application, so if your work includes treating lawns or plants, you usually need specific applicator liability coverage to fill that gap. 

Live inventory isn't treated the same way as shelf stock under a standard property policy. Nursery and greenhouse operations typically need a specific endorsement or policy for plant inventory, since what counts as a covered loss and how that stock is valued can vary. 

Winter operations are driven by slip-and-fall claims, often tied to response-time commitments in your contract, while summer work carries more property-damage and equipment risk. Many operators carry one policy built to flex between the two rather than switching coverage by season.

Standard business interruption coverage generally requires insured damage to trigger a claim. Rain delaying installations or poor weather reducing garden centre traffic is not usually enough on its own. For nurseries and greenhouses, confirm how covered damage to plants or equipment affects income protection, including any waiting period and how long income losses remain covered. 

Cost depends on factors such as the type of work you take on, your equipment and vehicle fleet, your claims history, your location, and the coverage limits you select.