Garden Centre Insurance

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Garden Centre Insurance

At BJP Insurance Brokers, we take the time to understand the nuances of your business in order to create a bespoke Garden Centre Insurance policy that’ll allow you to trade with confidence. Garden centres can offer an array of different products and services, which, from an insurance point of view, means a number of exposures that need to be protected against. Even the more specialist horticultural businesses face unique risks that must be considered.

Garden Centre insurance at a glance:

  • Employers’ liability insurance
  • Public liability insurance
  • Business interruption insurance
  • Stock cover
  • Buildings and contents cover

To obtain a Garden Centre Insurance quote, or to seek advice, please contact us on 0345 365 2121. We’ll be happy to discuss your requirements with you.

Who needs Garden Centre Insurance?

If you own or run a garden centre, you need Garden Centre Insurance.

Whether you have a multi-faceted garden centre incorporating a restaurant, farm shop, play area, and aquatic centre, or a specialist tree or plant nursery, Garden Centre Insurance will ensure you’re protected from the risks your business is exposed to.

Horticulture insurance requirements can vary depending on the nature of your business. You may even have other businesses trading from your premises that need to be covered. This is one of the reasons why it’s beneficial to use an insurance broker, who can create a tailored solution to suit your exact needs.

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 Insurance for garden centres

Bespoke insurance and risk management programmes for all sizes of business

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What is Garden Centre Insurance?

Garden Centre Insurance is an umbrella term for a variety of different types of cover that ensure your garden centre is fully insured against the risks that could cause your business financial loss.

Every horticultural business has unique insurance requirements, but liability insurance typically forms the backbone of a Garden Centre Insurance policy.

Liability insurance for garden centres

Liability insurance can protect your horticultural business from the cost of compensation payments should a claim be made against you for loss, injury, or damage to a third party or their property.

There are two types of liability you should be covered for:

Employers’ liability insurance

As an employer, you are legally obliged to have employers’ liability insurance, to include temporary and casual staff too.

If one of your staff were to suffer an injury or loss during the course of their work for you, you could face a claim for damages. For example, a member of your team falls off a ladder while stocking a shelf and breaks their wrist.

Your employers’ liability insurance will cushion you from the cost of compensation and legal costs.

Public liability insurance for garden centres

Public liability insurance works in a similar way to employers’ liability, the main difference being that it covers you against claims made by members of the public rather than employees.

No matter the size of your garden centre or nursery, opening your doors to the general public exposes you to risks that you need to be insured against.

For example, if a customer slips on a wet surface at your premises and injures themself, you could be liable for a claim. If one of your staff accidentally damages a customer’s car with a trolley, your business is liable for the cost of repair.

Your public liability insurance protects your business from the financial costs of a compensation claim for loss, injury, or damages to a third party or their property as a result of your business activity.

What else should I consider with Garden Centre Insurance?

In addition to liability insurance, we can arrange a selection of other covers, including business interruption insurance, stock cover, and buildings and contents cover.

Business interruption insurance

Business interruption insurance works to help keep your business afloat if you have to cease trading temporarily due to a disaster, for example, a flood causing major damage to your premises.

Business interruption insurance covers the loss of income you’d experience if this were to occur, helping to cover costs such as staff wages and business overheads.

Stock cover

Stock cover for garden centres can incorporate refrigerated or frozen stock, non-perishable items, and stock out in the open.

Stock cover protects these items in the event of loss, damage, or theft, for example in the unfortunate event there’s a fire at your premises.

Buildings and contents cover

We understand that your business premises could be a mixed construction building, and include a number of different types of buildings too – greenhouses and log cabins, for example.

Our team of experienced brokers will make sure your buildings and contents are adequately insured, with the sum insured covering everything you need it to, including the cost of a rebuild, should the worst happen.

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For independent advice and fast quotes for your garden centre business

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Why compare Garden Centre quotes with BJP?

BJP Insurance Brokers has been providing quality insurance to businesses in the agricultural sector for many years. We operate across the UK and provide a personalised service born of our philosophy that no two businesses are quite the same.

We’re experienced in arranging insurance policies for garden centres, those in need of plant nursery insurance, specialist tree nursery insurance, and a variety of horticulture insurance.

There are many advantages to buying your insurance through BJP:

  • We have extensive knowledge of the Garden Centre Insurance policies on offer, and the expertise to provide you with a policy that suits your needs.
  • We navigate the fine print of policies and help explain exclusions so that you are well informed before purchasing your business insurance.
  • Our well-established relationships with high-quality insurers mean we can offer you the right policy at the right price.

To receive a quote, or to seek advice from one of our insurance advisers about insuring your garden centre, please complete the enquiry form and we’ll be glad to assist you. An adviser will contact you within a working day to discuss your requirements. Or you can call us on 0345 365 2121 to obtain further information or for a full quotation to suit your needs.