What types of businesses does nursery and garden center insurance cover?

Coverage is commonly structured for retail garden centers, plant nurseries and tree farms, greenhouses and seasonal garden retailers, and garden centers that also provide delivery or installation support, subject to underwriting.

What are common risks for Long Island nurseries and garden centers?

Common exposures include outdoor inventory loss, weather damage, theft, customer slip-and-fall claims, greenhouse and shade structure damage, delivery vehicle exposure, and workers' compensation classifications for seasonal labor.

Do nurseries and garden centers need commercial property insurance?

Often, yes. Commercial property insurance can help protect buildings, greenhouses, business personal property, and certain inventory against covered causes of loss, subject to policy terms, deductibles, and limits.

Can you provide certificates of insurance for landlords, vendors, or municipalities?

Yes. We help issue certificate-ready policies and can provide certificates of insurance (COIs) for lease requirements, vendor agreements, and municipal or commercial customer requests.

Nursery & Garden Center Insurance on Long Island

Business owner filling out an online insurance quote form for fast coverage

Insurance Solutions for Nurseries & Garden Centers in Nassau & Suffolk County

The Insurance Products We Offer

We offer these Commercial Insurance Products

Business Owners Policy (BOP)
Commercial Auto Insurance
Commercial Property Insurance
Cyber Liability Insurance
Employment Practices Liability (EPLI)
General Liability Insurance
NYS Disability & Paid Family Leave
Professional Liability
Umbrella & Excess Liability
Workers’ Compensation Insurance

Who This Coverage Is Designed For

We provide insurance solutions for:

Retail Garden Centers

Plant Nurseries

Greenhouses & Seasonal Garden Retailers

Garden Centers with Delivery or Installation Services

Coverage is tailored based on whether you operate retail-only, run outdoor growing areas, maintain greenhouses, provide delivery services, or offer landscape installation support.

Long Island Risk
LIrisk.com

Call us:
516-8-LIRISK

Email:
info@lirisk.com

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