As a summary, the following types of insurance coverage can be part of a nursery’s policy as a bundled indemnity package.
• Commercial General Liability
• Property Coverage
• Business Income Coverage
• Commercial Auto and Commercial Fleet Coverage
• Commercial Umbrella Liability Coverage
• Crime Coverage
• Workers Comp Coverage
• Pollution Coverage
• Professional Liability Coverage (for the landscaping architectural designing aspect)
It is advisable to meet with a representative of an independent insurance agency that has a broad base of carrier connections. This will help the agency better understand your specific operation and your specific needs in relation to a tailored insurance plan. It will also help the agency define what premium discounts may be applicable in your case.