Many of our insurance customers know they need some type of commercial insurance – liability, property, etc. But you may not know about the different coverage you need because of the niches your company falls into because of the industry. An accounting firm needs coverage for accounting errors for example. Or an automotive body shop needs garage liability. Of course, these make sense. Now let’s look at nurseries and greenhouses and their needs.
Unfortunately, nurseries carry a lot of risks. First, there are many different types of equipment and inventory, both in finished and unfinished goods. Then, you have the risks of employees on slippery surfaces, potential trips, using equipment, etc. Finally, consider that your inventory is often left exposed to the weather and can be at risk to storms, hurricanes, unexpected frosts, tornados, floods, etc. And, we haven’t touched on theft, customer liability, and commercial vehicles.
The point is, when you are looking for nursery and greenhouse insurance, you need to have an experienced insurance agency on your side. A local agency can make sure you are protected, and an independent agency will make sure you have the competitive prices you are looking for and the coverage you need.
For the areas of Moultrie, GA, Sylvester, GA, Albany GA, Tifton, and Valdosta, give us a call to either go over your current nursery and greenhouse insurance or to start a new search from scratch. We offer no-obligation quotes and will go through the different areas of your business to make sure you are covered for commercial vehicles, high-cost inventory, customer liability, and more. And, some good news – we probably can find competitive rates by knowing which companies bundle different types of nursery and greenhouse insurance coverages. For example, a BOP, or business owner’s policy, might cover many of the different coverages you need in just one policy.
So, if you are in the SIC codes of 0181 Ornamental Floriculture and Nursery Products, 5261 Retail Nurseries, Lawn and Garden Supply Stores, or any other industry you feel might need nursery and greenhouse insurance, let us help you with your business. And this also applies to any road stand fruit and vegetable grower in Moultrie, GA, Sylvester, GA, Albany GA, Tifton, and Valdosta. So call us today, and let’s make sure you are protected!