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Greenhouse, Nurseries and Horticulture

Whether you are a greenhouse grower, nursery or retail garden center, The Ayres Group recognizes that your greenhouse business faces unique risks.  We can offer an insurance program tailored to meet the specific needs of the greenhouse industry.  Our agency brings over 25 years of expertise in writing insurance for greenhouse, nurseries, and horticulture business.

We can offer the most comprehensive coverage and customize your greenhouse program  to include:

  • Commercial Property Coverage
  • Replacement Cost coverage on building & personal property- includes wind, hail, fire & collapse
  • Equipment Breakdown- covers spoilage & persishable goods
  • Business Income
  • Fluctuation Peak Season coverage
  • Utility Service Direct Damage & Time Element- up to the highest peak season limit
  • Spoilage
  • Manufacutures Selling Price & Market Value Endorsement
  • Property Special Broadening
  • Inland Marine
  • Transporation Coverage
  • Electronic Data Processing
  • Equipment & Tools Coverage
  • Crime Coverage
  • Employee Theft
  • Money & Securities
  • Data Breach
  • Identity Theft
  • Commercial Liability
  • General Liability- Premise, Products & Operations
  • Limited Pollution Liability
  • Employee Benefits Liability
  • Employment Practice Liability
  • Workers Compensation