Garden centers help homeowners turn their dull indoor and outdoor space into gorgeous, blooming gardens filled with colorful flowers and plants. While helping homeowners transform their spaces, garden centers also need garden center insurance to transform their business into one that is protected against liability and litigation. Garden centers use special garden tools, pesticides, fertilizers, and more to ensure the plants are in their best shape for customers. During the process of taking care of and selling these plants, accidents and errors can happen that may lead to damages and third-party claims.
When your garden center is equipped with the proper garden center insurance policy, you are keeping your business safe. Otherwise, financial losses can have hefty repercussions. At ALIGNED, we help businesses and organizations find the insurance policy they need to operate with confidence.
Why is Garden Center Insurance Important?
Garden centers may not seem dangerous to operate, but there are still risks involved that could lead to accidents, liability, and litigation.
- The pesticides or fertilizers used to take care of the plants cause a customer to fall ill.
- There is a recall with the pesticides and fertilizers creating additional expenses.
- A customer is injured while on the premises of your garden center.
- The water system and other equipment used need repairing or replacement parts.
With garden center insurance from ALIGNED, your garden center stays covered against these risks that could potentially damage your business.
What Does Garden Center Insurance Include?
Commercial General Liability Insurance – commercial general liability insurance provides coverage for injuries, bodily harm, and property damages caused to a third party during your garden center business operations. For example, if a customer slips and falls on your premises, you are covered for potential lawsuits, losses, and medical expenses. The typical garden centre commercial general liability also include product liability coverage.
Equipment Breakdown Insurance – there might be damages to the watering system and climate control system used. If your equipment breaks down, which causes loss of productivity, and the plants become damaged, equipment breakdown insurance can cover physical damage to your equipment.
Commercial Property Insurance – protects your commercial assets, like your building, greenhouse, etc., against damage in the event of a fire, vandalism, flood, or other natural accident beyond your control.
Theft Insurance – theft is always a concern for garden centers, whether it’s equipment or money. Employee theft insurance protects your business, assets, and money against theft from inside and outside the business.
Find the Right Garden Center Insurance with ALIGNED
ALIGNED works with Canada’s top insurance companies to provide custom insurance packages at affordable prices. Contact an ALIGNED commercial insurance specialist for a free quote, or use our free online tool.