Garden Supply Store Insurance

Gardening is more than just a hobby. It’s a billion-dollar industry. If you own a business that sells seeds, fertilizer, shovels, and other gardening supplies, you need to prepare for potential growth over the next few years. One way to do this is to outfit your shop with a garden supply store business insurance that protects most aspects of your business. Here’s the kind of coverage your store can benefit from.

We’ve specialized in garden supply store insurance since 2007, backed by nearly two decades of experience in commercial insurance.

Garden Supply Stores May Need The Following Insurance

Business Liability Insurance (GL): As your garden supplies store grows, you can expect to see more customers coming through your doors. You’ll need to prepare for this by not only stocking up on all of your best-selling products, but also obtaining general liability when you get garden supplies store insurance. You need this coverage because it’s the part of your policy that helps pay for the medical costs of customers who get hurt in your retail store. Another purpose of general liability is to pay for the damages to customers’ property while they’re at your shop, such as if they hit a pothole while parking in your lot and need repairs to their car.

Business Personal Property Insurance: If your gardening supplies store has many customers, maintaining a well-kept store is essential. With BPP included in your insurance policy, you don't need to have repair funds immediately available, as your business insurance may cover those expenses. The same applies if you're robbed; BPP helps with replacing lost inventory and equipment used in your store.

Workers' Comp Protection: The staff at your gardening supplies store might consist of just a few people, or it might be a large group of employees. Regardless, you need to protect them all with workers' compensation when you acquire a garden supplies store insurance policy. When you get this coverage, you can feel confident that medical bills incurred by injured employees can be paid for by workers' comp (if it's a covered loss).

For instance, if an employee is cut while stocking or selling a sharp gardening tool, workers' comp helps cover the necessary medical costs. If that employee has to miss work for a few days or even longer, workers comp may likely reimburse him or her for the missed wages during that time.

Umbrella/Excess Liability: Umbrella / Excess Liability can provide additional limits above your underlying liability policies (often general liability, commercial auto, and employers’ liability). Coverage terms vary by insurer and may require specific underlying limits.