Greenhouse & Nursery Grower Insurance Coverage Checklist
The coverages a greenhouse & nursery grower business may carry — core, prevalent, and situational — why each matters, and the gap most often missed.
Pull out your current policy and check the box next to any coverage you can confirm is already in place — anything unchecked is worth a quick conversation with your advisor. Coverage checklist for wholesale greenhouse growers, container and field nurseries, and propagators. Priorities reflect typical exposure for this class; confirm against your actual structures and crops.
Tick each coverage you can confirm you carry — anything left unticked is a good question for your next policy review.
| Have it? | Coverage | Why this business needs it | Priority |
|---|---|---|---|
| Property / Greenhouse Structures | Covers glass and poly houses, shade houses, and heating systems. | Core | |
| Growing Plants / Nursery Stock | Covers plants lost to named perils — often excluded or limited on property forms. | Core | |
| General Liability (incl. Products) | Covers injuries and damage from your operations and plants you sell. | Core | |
| Workers' Compensation / Employer's Liability | Covers growers, crews, and seasonal staff. | Core | |
| Equipment Breakdown | Covers boilers, heaters, and controls — and crops lost when they fail. | Prevalent | |
| Spoilage / Change in Temperature | Covers crops lost to heat or power failure. | Prevalent | |
| Commercial Auto | Covers delivery trucks and trailers. | Prevalent | |
| Pollution / Pesticide Liability | Covers pesticide drift and runoff — usually excluded from GL. | Situational | |
| Business Income | Replaces income while ranges are rebuilt after a loss. | Prevalent | |
| Umbrella / Excess Liability | Adds limits big-box buyers often require. | Situational |
The coverage gap most often missed
The gap most often missed by growers is the crop inside the greenhouse. Many property forms cover the structure but limit or exclude growing plants, and crops frozen by a heating failure need equipment breakdown or spoilage coverage. Snow is a common structure loss — one Texas nursery lost seven greenhouses in a single storm. Schedule your plant inventory at its peak value and ask your advisor how heat-loss crop damage is covered.
Send us the checklist and we'll review your greenhouse & nursery grower coverage line by line, then market it across multiple carriers that compete for your account.
Related: Greenhouse & Nursery Grower Insurance · Greenhouse & Nursery Grower Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does a greenhouse & nursery grower business need?
The core coverages for a greenhouse & nursery grower business are Property / Greenhouse Structures, Growing Plants / Nursery Stock, General Liability (incl. Products), Workers' Compensation / Employer's Liability. This checklist also lists the prevalent and situational coverages worth considering, with a plain-English note on why each matters.
Is this checklist insurance advice?
No. It is a free educational tool to help you have a more informed conversation with a licensed professional. It affords no coverage and is not insurance, legal, or financial advice — only your actual policy language governs what is and isn't covered.
Can Cory Washington & Co. review my greenhouse & nursery grower coverage?
Yes. Share your checklist and we'll review your program line by line, market your account across multiple carriers, and explain the trade-offs in plain English. Cory Washington & Co. LLC is licensed in all 50 states.
This checklist is a free educational tool from Cory Washington & Co. to help you review your own coverage and have a more informed conversation with a licensed insurance professional. It is general information only — not insurance, legal, or financial advice, and not a recommendation to buy, change, or cancel any policy. Coverage terms, availability, limits, and requirements vary by policy, carrier, and state, and only the language in your actual policy governs what is and isn’t covered. Checking or leaving blank any item above does not indicate that you are adequately insured or under-insured. Using this checklist does not create a client, agency, or fiduciary relationship. Always consult a licensed professional about your specific situation.