Compare garden centre insurance quotes

Finding the right insurance for your garden centre often requires a lot of time and patience to get a solution that ticks all the boxes. When you’re running your own business, time is precious and time means money. The nature of your business means that your needs are typically more complex than most other retailers, which is why we arrange tailored insurance solutions for garden centres to ensure you have the cover you need.

Whether you’re running a nursery or a garden centre, selling or growing plants, we can arrange a business insurance policy that’s tailored to you. If you know what you need and are ready to get cover, compare quotes and protect your business online in just a few minutes. Alternatively, you could speak to our expert advisors for professional advice and insurance recommendations that are tailored to your business needs.

  • Compare quotes from leading insurers
    Right cover, right price
  • Protect your business online in minutes
    It's simple and hassle free
  • Expert advice in just one call
    Insurance tailored to your needs
  • Monthly payment options available
    Your business, your budget
  • Excellent service
    Rated by our customers on Feefo

We work with some of the UK's leading insurers

  • Allianz Business Insurance
  • Aviva Business Insurance
  • AXA Business Insurance
  • Covea Business Insurance
  • Hiscox Business Insurance
  • LV Business Insurance
  • NIG Business Insurance
  • QBE Business Insurance

Ready to get cover?

If you know your business insurance requirements
compare quotes online

Get quotes now

Need advice?

Our experts are here to help

  Request a call back

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.

Covers to consider:

  • Buildings and contents cover
  • Stock in the open
  • Public and products liability cover
  • Employers' liability cover
  • Business interruption
  • Commercial legal expenses

"The questions were straightforward and the adviser explained anything I wasn't sure of clearly. The whole process was quick and easy with an immediate quote at the end. Within about 15 minutes I had completed the questions, received my quote and my insurance was all set up. Thank You!"

Mrs Curtis Mobile Beautician, Lowestoft (Customer since January 2018)

"They were able to provide a bespoke package so that I only got cover for what I needed as opposed to all the unnecessary parts of a standard package policy. The staff were very polite and willing to listen to my needs.”"

Mr Livesey, Newsagents, Kendal (Customer since August 2017)

"Professional, efficient, friendly and thorough service. They fully understood my specific business requirements, and sorted out an insurance policy which not only exceeded my previous cover, but was also a lot cheaper."

Mr Jones, Gym/Health Club, Essex (Customer since January 2018)