Garden Centre Insurance

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

About Garden Centre Insurance


First choice scheme

The preferred scheme for many of the UK’s garden centres and HTA members


Tailored and flexible garden centre insurance

Get tailored and flexible cover specific to the garden centre trades


Interest free

Interest free instalments available over 12 months (subject to status)

Direct Debit

Pay for your garden centre cover by Direct Debit

You can split your payment into instalments

Features of Garden Centre Insurance

Standard cover

Flexible garden centre insurance policies

Our garden centre insurance package can provide a wide range of property and liability covers, with flexible limits tailored to your horticultural business. Our bespoke product caters for mixed construction buildings including glasshouses, 24 month indemnity period for business interruption and full environmental liability cover. Full policy summary and wording available upon request.

Automatically included

We automatically include £7,500 target stock and up to £5000 of refrigerated or frozen stock free of charge. 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 cafés 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, so 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.

How do I make a claim?

When you need to make a claim, we’ll guide you through the process and get your claim settled as quickly as possible.


Find your insurance documents

and make sure you have all your information at hand, including your policy number


Call the claims team

on 01482 330300 and explain exactly what happened


Provide photos if requested

to help us understand what happened as quickly as we can

Relaxed Person Making Claim

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.


Are there any exclusions?


Please see your policy documents for full details of any exclusions.


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.