• This section helps us understand the scope of your nursery and garden center operations, including retail sales activities, customer foot traffic, on-site services, and how products are handled on-site.

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  • Whether you’re a nursery or garden center operator, retail plant seller, or landscape supply provider, each insurance quote is tailored to your actual operations, customer foot traffic exposure, and regulatory requirements. Our process is efficient and transparent, designed to deliver accurate coverage and competitive pricing without unnecessary delays.
     
     
     

  • We offer these coverage's in New York

  • For nursery and garden center businesses, insurance premiums may be calculated based on either annual employee payroll or gross sales, depending on the insurance carrier and the business's operations.
     
     
     

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  • Do you operate a retail nursery or garden center open to the public?
  • Do you sell or apply fertilizers, pesticides, or herbicides?
  • Do customers load products themselves (soil, mulch, stone, plants)?
  • Do you offer delivery services for plants or materials?
  • Do you perform any on-site planting, installation, or landscaping services?
  • Do you operate forklifts, skid steers, or other material-handling equipment on premises?
  • Have any General Liability claims involving slip-and-fall incidents, customer injuries, or property damage occurred in the past five years?
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  • Risk Transfer

    Please provide details about your subcontracted work.
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  • Do you collect Certificates of Insurance from all subcontractors prior to work starting?
  • Are you listed as an Additional Insured on subcontractors’ General Liability policies?
  • Should be Empty: