Nursery and Greenhouse Growers Protection

As a nursery grower, you are the classic entrepreneur wearing many hats and managing many tasks trying to keep your business on the leading edge of your industry while keeping expenses manageable. You have a great deal invested in property infrastructure whether it be large gutter connect greenhouses, irrigation, generators, tractors, wagons, and managing a large staff. However, your biggest investment is the plants. In most cases, the plants take years to mature into a marketable product. The Lyman Agency, Inc. can provide broad peril coverage on certain greenhouse structures with loss of crops inside the greenhouse. We realize your propagation houses are the lifeblood of your business and the loss of a propagation house and more importantly, the newly growing crop could cripple your operation.

Along with growing the crop, you have to spend an equal amount of time cultivating your various markets of garden centers, landscapers, or the big box retailers.  As if this wasn’t enough, you are creating a culture of success among your staff.  The Lyman Agency, LLC has helped many nurseries and annual growers, as well as many of Connecticut’s largest farms and Agribusinesses. Our Farm Package offers a flexible policy which can be customized to affordably protect your business and personal property under one policy.

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Get the coverage you need for your Home, Business, Farm, Life and more. Let us complete a full policy review and prepare a quote for you Today!

Types of Coverage for Nurseries

Property Coverage:

  • Buildings and Contents
  • Specific Greenhouse Coverage
  • Builders Risk
  • Farm Residences, Contents and Personal Property
  • Farm Machinery
  • Farm Products, Supplies and Tools
  • Loss of Income and Extra Expense
  • Growing Crops Coverage Inside Covered Greenhouses
  • Limited Growing Crops Coverage Outside
  • Borrowed Farm Machinery
  • Limited Pollution Cleanup
  • Ordinance of Law

Liability:

  • Farm and Business Liability
  • Bodily Injury and Property Damage Liability
  • Personal Injury
  • Employment Practices Liability
  • Employee Benefits Liability
  • Medical Coverage for Others
  • Farm Chemical Transportation Coverage

Other Risk Factors For Commercial Nurseries

Workers Compensation:

Historically the biggest insurance expense associated with most nurseries is Workers Compensation Insurance. In many cases, the Workers Compensation represents approximately 75% of the annual insurance premium. It is critical for you to have a partner who has a detailed understanding, and expertise of the entire workers’ compensation system. The key to maintaining a level or decreasing premiums is loss prevention. We have successfully worked with some of the largest nurseries in implementing successful programs. When someone is injured it is critical that the claims are properly managed in order to protect your modification factor (MOD). We do this every day and as a result are able to reduce and lower the MOD factor.

Commercial Auto:

Most Nurseries in Connecticut have a large fleet of vehicles ranging from tractor trailers for moving inventory and delivering the finished product, to straight flatbed trucks, to dump trucks, pickup trucks, vans and cars for the sales staff and management. We understand Commercial Auto and show you ways to reduce your premiums on an ongoing basis.

Contact The Lyman Agency, Inc For All of Your Insurance Needs

Determining the types of coverage that you need for your nursery can be complex. The Lyman Agency, Inc takes a personal interest in protecting what matters most to you. We will take the time to understand your operation and to build a customized plan. Most importantly we will take the time to explain the program so you understand how you and your business are properly protected. Contact us today to learn more and start the discussion.

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Be Sure With Lyman Insure

At Lyman Insure, we understand that your business is unique. You want an insurance agency that is familiar with the business to ensure you have the complete coverage you need.

Lyman Insure™ has the experience that business owners need to protect all aspects of their business. At The Lyman Agency, LLC, we recognize that it is the relationships we establish with our clients that set us apart. Please contact us for a free quote or insurance evaluation. You can be sure with Lyman Insure.

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