Business Insurance
Specialist insurance for horticultural businesses
We've collaborated with Towergate insurance to bring you insurance for the horticultural industry. The HTA Insurance scheme is designed for garden centres, commercial growers, landscapers, manufacturers, suppliers and other associated businesses such as concessions in garden centres.
The specialist insurance policies and products take account of the unique needs of horticultural businesses.
Features Include:
- Weight of snow cover for glasshouses
- Automatic seasonal increase of 25% in the stock sum insured six weeks prior and post any bank holiday.
- 24 month indemnity period as standard under the Business Interruption section
- Environmental liability cover (Clean up costs)
- Cover for target stock with the first £7,500 per site included free of charge.
- Deterioration of refrigerated/frozen stock (First £5,000 given free of charge)
Insurance cover is also available for the following areas:
- Management liability (Directors and Officers)
- Cyber liability and crime
- Engineering cover
- Motor insurance
For more details on the policies available please have a look at the HTA Insurance website.
The HTA will receive a commission fee based on a successful referral. The amount of the commission will depend on the type of order placed. Full details will be provided by the Preferred Partner before entering into the transaction
You can also call 03448 926271 or alternatively email [email protected].
Towergate Insurance Brokers and HTA Insurance Services are trading names of Advisory Insurance Brokers Ltd. Registered in England Company No. 4043759, Registered Office: 2 Minster Court, Mincing Lane, London, EC3R 7PD. Authorised and regulated by the Financial Conduct Authority
Make sure your garden centre has the necessary insurance
It certainly feels in recent weeks like the weather has taken a step in a more positive direction.
For a start, the sun is more present, and people are beginning to spend more time outdoors.
One beneficiary of this time of year is garden centres, which will potentially start to welcome huge numbers of people through their doors between now and autumn.
Of course, garden centres operate all year round, but the finer weather means that more eyes are on them from the general public.
With this in mind, it’s so important that you have the correct garden centre insurance in place.
Keep your garden centre policy flexible
As with all our policies, we recognise the flexibility required to meet the varying garden centre’s needs. What works for one garden centre, might not necessarily work elsewhere.
It’s why our insurance package(s) offers a vast range of property and liability covers, with flexible limits tailored to your horticultural business.
We also consider mixed construction buildings including glasshouses, and offer a 24-month indemnity period for business interruption and full environmental liability cover.
What’s automatically included
There are other aspects to consider as well which is why £7,500 of target stock and up to £5000 of refrigerated or frozen stock is automatically included free of charge.
The lighter evenings and warmer days mean some items and equipment are out in the open - including stock. To provide further peace of mind this can be covered up to £500 for any item, against fire, lightning, aircraft, explosion and theft, as standard on all our policies.
Tailored approach
Whoever you are and whatever insurance you might seek, it’s important that you are heard and that the necessary package is made available to you.
Garden centre life is unique, and we understand that each one has particular horticultural insurance requirements.
Because of this, we can extend your policy arrangement to incorporate cover for other additional aspects like landscaping services, as well as liability towards concessions or other businesses trading from your premises. The entire premises must be considered and we have experience in this field.
Seasonal changes
The garden centre business by nature is busy at different stages of the year. Often you’ll be exceptionally busy which is why we have incorporated an automatic 25% increase to your stock free of charge during the months of November, December and January, and the six-week period either side of any UK Bank Holiday. It basically means that during the busiest times of the calendar year, you’ll have one less thing to think about.
The tailored and flexible cover available to your garden centre is the preferred scheme for many of the UK’s garden centres and HTA members. It can also be paid in twelve interest-free instalments!
If you would like to discuss anything we’ve mentioned in this article, or if you have a question, then please do get in touch with a member of our team today. We’d love to hear from you.
Terms and conditions apply to all policies and may be subject to limitations and exclusions. Full details will be provided when taking out a policy.