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Garden Centre Insurance

Cultivating your business with insurance designed and tailored specifically for garden centres and nurseries.

  • The preferred scheme for many of the UK's garden centres and HTA members
  • Get tailored and flexible cover specific to the garden centre trades
  • Interest free instalments available over 12 months (subject to status)

Let us know you’re interested and we’ll contact you back:

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Or call us directly for a requirement review and quote:

01482 330300
01482 330285

Weekdays 9am - 5pm
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Garden centre insurance features

Flexible garden centre insurance policies

Our garden centre insurance package can provide all the property and liability covers you would expect with flexible limits tailored to your horticultural business. Our flexible options mean you can chose to include a variety of features including goods in transit, money and statutory inspection cover for your equipment.

Automatically included

We automatically include up to £5000 of refrigerated or frozen stock, and any of your property out in the open, including stock, is covered up to £500 for any item against fire, lightning, aircraft, explosion and theft, as standard on all our policies.

Tailored for you

We recognise that each garden centre has unique horticultural insurance requirements and we can extend our policy to incorporate cover for additional activities including café and restaurants, playground areas and landscaping services as well as liability towards concessions or other businesses trading from your premises.

Seasonal fluctuations

The very nature of your business means that some times of the year you’re exceptionally busy and as such we have incorporated an automatic 25% increase to your stock free of charge during the months of November, December and January and 6 weeks either side of any UK Bank Holiday. So during the busiest times, you’ve one less thing to think about.

Garden Centre Insurance Claims

If and when it comes to the crunch and you need to make a claim, we'll send the details of your claim to the insurer to get your claim resolved as quickly as possible.

If there are any complications with your claim, we’ll follow this up with the insurer and keep you updated with the progress of your claim.

For material damage and business interruption claims of over £5,000 we will appoint a chartered loss adjuster specialising in the type of loss you have experienced to look after your interests and ensure the entire claims process is handled quickly, fairly and without unnecessary stress.

Call us or email us with; your policy number, a phone number to reach you on, details of your claim and photos where possible and relevant.

01482 330300

Garden Centre Insurance Articles & Guides

Get tips and advice from our industry experts to ensure you get the best out of your insurance.

Staff Perks Snippet


Staff Incentives

Do staff incentives (staff perks) really work? Whether you're trying to attract new talent to your business or you're just trying to create a better working environment for your current staff, our infographic gives you the low-down on which perks and benefits employees want from a business.

Employers Liability Guide Small

insurance guide

A Guide to Employers' Liability Insurance

Whether you have one employee or an expanding workforce, employers’ liability insurance is a vital part of your liability insurance for your business.

Garden Centre Insurance FAQs

I have a coffee shop and restaurant inside my garden centre. Can you include insurance for this?

Yes! We can cover for many types of diversification. What’s more we can update your policy as you grow too, so at any time, you can give us a call to make sure you’re covered, or increase, or decrease your cover as you need to.

Over the Christmas period our stock level increases dramatically. How do I get extra cover for this?

We automatically include cover for a 25% increase in stock in November, December and January, and also around bank holidays. This does not cost you anything extra but simply means you can get on with running your business, and not have to worry during the times you’re most busy. For any other times, you can simply call to increase your sums insured limits as you need.

Are work experience staff covered by employers liability insurance?

Work experience is a form of employment, and as such you are legally required to provide protection in the form of employers liability. Our insurance will cover all of your staff including unpaid, contracted and seasonal.

What does public liability do? Is this cover included?

Absolutely. Public liability is one of the most important features of any business insurance. It protects your customers against injury or loss suffered due to your business, such as a slip or fall. You can learn more about it in our guide to public liability.

Can I pay in monthly instalments?

We offer all our garden centre customers interest free monthly instalments over a 12 month period. This can be set up easily when you arrange your cover.

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