Horticulture and Nursery Insurance

In the course of your horticultural or nursery activities, an incident can occur despite all precautions taken. Civil liability insurance can protect your business in the event of a claim resulting from material, bodily, or financial damage caused to a third party following a covered event.

This coverage protects tractors, irrigation systems, greenhouses, horticultural equipment, specialized tools, buildings, and other assets essential to your operation against covered risks, such as fire, certain water damage, theft, vandalism, or equipment breakdown.

When a covered loss leads to a slowdown or temporary halt in your activities, loss of income insurance can help compensate for certain financial losses and fixed expenses during the recovery period, thus contributing to the stability of your operation.

Plants represent the heart of your operation and the result of many months of work. This protection can cover trees, shrubs, plants, flowers, perennials, and other plants against certain covered damages, according to the conditions specified in the contract.

This protection covers seeds, potting soil, fertilizers, horticultural products, containers, and other essential supplies for your business against risks covered by your contract.

“Depending on your operation’s needs, several additional protections can be added to your contract. Among the options offered are replacement value, irrigation and climate control system protection, cyber risk insurance, accidental pollution, additional operating expenses, and agricultural vehicle insurance.
Our team specializing in horticulture and nurseries is here to advise you and help you choose the protections best suited to your reality.”