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Commercial Nurseries and Greenhouses

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Commercial Nurseries & Greenhouses

Program Target Description;??An all-lines solution for Greenhouse Growers, Nurserymen and Garden Centers.?

Program Target:??

  • Target Risks:
    • Greenhouse Growers?
    • Nursery Growers?
    • Independent Garden Centers?
    • Florists?
    • Urban Farms (100% Hydroponic fruit and/or vegetable growers and distributors)?
    • Hybrids
  • Ineligible Risks:
    • Livestock on Premises?
    • Selling or Growing of Fruits and Vegetables (other than 100% Hydroponic Urban Farms) (Transplants acceptable, must sell directly to grower)?
    • Operations with Fewer than 3 Employees, Including Partners and Owners?
    • Agricultural Crop Spraying?
    • Snow Removal (Limited snow removal may be acceptable)
  • Geographic:
    • Nationwide except for HI and? AK?

Why work with our program administrator????

  • Coverage offering designed for growers- Replacement Cost for greenhouse coverings and coverage for stock in the open
  • $2,500 minimum premium??
  • Assistance with proper valuation of greenhouses and the equipment contained within
  • Competitive Rates
  • Superior Customer Service?

Coverages & Limits Available

  • General Liability – Premises and Operations (limits up to $1M per occurrence/$2M aggregate)
  • Auto Liability (limits up to $1M per occurrence/$2M aggregate)
  • Property, including Equipment Breakdown (limits up to $15M per location)
  • Product Liability (limits up to $2M)
  • Umbrella Liability (limits up to $15M)
  • Workers’ Compensation (Statutory Limits).?? This coverage is placed outside the AIG program.?

Submission Requirements:?

  • Completed and signed ACORD applications and Supplemental application?
  • Complete description of operations
  • 3 years plus 1 current year of currently valued, hard copy loss runs for all lines of business being requested
  • MVRs for all drivers of company vehicles (if auto coverage requested)
  • Workers Compensation: Description of safety initiatives, hiring practices, return-to-work and drug testing programs; Experience Modification Worksheet and 3-5 year history (if available)?
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