Do I need garden centre insurance?
Most garden centres contain a variety of assets, from glass buildings to log cabins, aquatic centres and extensive nursery grounds; whatever your speciality, protecting against the unexpected is essential. Without tailored garden centre insurance in place, you could be personally liable to rectify damage or pay compensation awards if someone makes a claim against you.
Liability insurance for garden centres
Liability cover can protect your business from potentially large compensation awards in the event that a member of the public sustains an injury at your premises, for instance if they were to trip over a hose pipe and break a limb. Public liability will typically cover you for accidental injury, and accidental damage to third party property. No matter how careful you are, accidents do happen, and this can be an invaluable aspect of cover when you have a number of customers visiting your premises on a regular basis.
Employers' liability cover will need to be included in your garden centre insurance if you have full or part time employees. This cover is similar to public liability but specifically protects you against claims from your staff if they have an accident in the workplace.
Business interruption insurance for garden centres
Business interruption cover can protect your gross profit if something were to happen at your premises meaning you were unable to trade. If a fire or flood caused extensive damage to your premises, you may need to close until the buildings are restored. Business interruption cover can safeguard your gross profit and fixed business expenses, as well as cover your staff wages. This cover can be instrumental to the future of your business, and can help tide you over if the worst does happen.
Legal protection for garden centres
Commercial legal expenses can be included in your policy to safeguard against employment disputes and awards for compensation, as well as tax and VAT disputes, commercial tenancy disputes, and a jury service allowance.
Garden centre insurance is typically designed to cover all garden centre activities, as well as nurseries, aquatic centres and other similar horticultural specialists. It can be tailored to cover a range of eventualities to suit your business needs.
Hassle-free garden centre insurance
If you own or run a garden centre then we can arrange an insurance policy to meet your specific needs. We understand that every garden centre is unique and requires a specific approach to insurance to ensure you get the cover you need. Our knowledgeable business insurance advisors are on hand to discuss your insurance requirements and find you the cover that’s right for your business.
We have helped many garden centres arrange their insurance, and over the years have gained a thorough understanding of the exposures you face that could lead to financial loss. We understand that every garden centre is unique, and requires specific insurance to safeguard against unforeseen events. We arrange garden centre insurance to meet your needs and to let you work without worry.