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Tailored 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.

Why choose us?

  • Compare insurance quotes
    Right cover, right price
  • Protect your business online
    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 customer service rating 
    Rated 4.6/5 based on 192 Feefo reviews

Start your insurance quote:

For advice:   
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

Start your insurance quote:

For advice:   
Request a call back

"I’ve used Premierline for my work insurance for a few years now. They always find me such competitive prices. As a small business owner I really couldn’t afford the prices when I looked online myself especially after having had no work for 7 weeks when Covid-19 first hit. So it was a huge relief to find a policy I could afford and be ready for when work started to pour in."

Mrs Bridger, Cleaning Contractor, Devon (Customer since April 2017)

"I rang Premierline just to check other insurance offers, after my sky high renewal from my previous insurer. The adviser was friendly and very easy to understand and talk to and he got me a fantastic deal. Very happy.”

Mrs McCall, Pet Shop, North Shields (Customer since January 2021)

"Overall, Premierline offered a great service in securing my annual Professional Indemnity insurance. It was a very simple process and everything was explained well."

Mr Jones, Marketing Consultancy, Manchester (Customer since September 2021)