Protection from the yard to the job site
Insurance for the realities of landscaping and nursery work
Most commercial policies are built around a single, steady operation. Yours isn't one. Your crew size, equipment list, and risk profile shift between planting season and snow season, sometimes within the same contract. At Navacord, we structure your policy, and your renewal timing, around that rhythm instead of forcing your business into a template that doesn't fit.
Living inventory, real exposure
Grown over a season, protected year-round.
Nurseries and greenhouses face living inventory that can be lost to frost, disease, or theft before it's ever sold. A summer crew runs mowers, trimmers, and irrigation systems through properties they don't own, and a winter crew plows and salts the same lots under tighter deadlines and icier conditions. Navacord's landscaping and nursery insurance is built to follow your business through it all, not just the months when the trucks are out.
Who we help
Landscaping and horticultural businesses cover a wide range of operations, and each brings different exposures. We help you build the right coverage, whether you install landscapes, maintain properties, clear snow, grow plants, or sell to homeowners and contractors.
Excavation can damage buried services, while grading errors or incorrectly installed patios can lead to property damage and client claims.
Flying mower debris, damage to client plants, and stolen tools can lead to repair costs, liability claims, and interrupted work.
Slip-and-fall allegations, plow damage to parked vehicles or sidewalks, and stolen equipment can create liability claims and disrupt winter services.
Storm or fire damage to outdoor plant stock, theft, and damaged irrigation equipment can affect saleable inventory and disrupt client orders.
Heating failures, damaged greenhouse glazing, and irrigation breakdowns can harm growing plants and interrupt production ahead of seasonal sales.
Wet walkways, damaged deliveries, and hail affecting outdoor plant displays can lead to injury claims, stock losses, and lost sales.
Our landscaping and nursery insurance expertise
We bring industry knowledge and practical insurance advice to your seasonal operations, helping you address exposures across client sites, growing facilities, and retail spaces.
We build coverage around the services you deliver and the business you’re growing.
We build coverage around your landscaping services, growing operations, and contractual requirements, including exposures involving equipment theft and property damage.
We help you consider liability, property, equipment, auto, and business interruption coverage, alongside specific protection for growing stock and pollution exposures.
We build renewal timing and coverage limits around when your business is actually busiest, rather than a fixed calendar date.
We help align coverage limits with your equipment values, seasonal inventory, business operations, and the insurance requirements in your client contracts.
We deliver practical advice on managing exposures and understanding contract insurance requirements, and support you through reporting and resolving claims.
Ready for the work ahead
Essential landscaping and nurseries coverages
A single contract can touch property, equipment, vehicles, and living inventory all at once. Our advisors help you consider the following coverages and identify where specific policy wording matters.
- General liability insurance
General liability insurance
Steps in if a client is hurt or their property is damaged while your crew is on site, covering legal costs and settlements if you're found responsible.
Contractors equipment and tools insurance
Protects mowers, plows, skid-steers, and hand tools while they're away from your shop, such as on a job site or in transit.
- Commercial property insurance
Commercial property insurance
Covers your shop, greenhouse structures, and the equipment stored inside them against fire, water damage, theft, and other insured perils.
Nursery stock and plant inventory coverage
Helps cover the cost of live inventory, such as trees, shrubs, and greenhouse stock, lost to causes like fire, storm damage, or theft.
Pesticide liability
Helps address covered pollution incidents involving your operations, such as fuel spills or pesticide drift.
- Commercial auto insurance
Commercial auto insurance
Covers the trucks and trailers that move your crew, equipment, and plant material between properties.
- Umbrella liability insurance
Umbrella liability insurance
Adds an extra layer of protection above your other policy limits if a claim turns out to be larger than expected.
- Equipment breakdown insurance
Equipment breakdown insurance
This can cover mechanical or electrical breakdowns of insured systems, such as greenhouse boilers or irrigation pumps. Confirm whether resulting plant damage and income loss are included; routine maintenance and wear are generally excluded.
Installation floater
A landscaper’s installation floater covers materials, supplies, plants, trees, irrigation components, sod, stone, lighting, and other property that a landscaper owns or is responsible for until the project is completed and accepted by the customer.
Explore broader business protection
If your needs extend beyond landscaping and nursery insurance, we deliver business insurance solutions to support your operations and long-term goals. Talk to us about additional protection for design advice, higher liability limits, or other activities as your business grows.
FAQs for landscaping and nurseries
Often, not fully. Standard general liability policies often exclude or sharply limit claims tied to chemical application, so if your work includes treating lawns or plants, you usually need specific applicator liability coverage to fill that gap.
Live inventory isn't treated the same way as shelf stock under a standard property policy. Nursery and greenhouse operations typically need a specific endorsement or policy for plant inventory, since what counts as a covered loss and how that stock is valued can vary.
Winter operations are driven by slip-and-fall claims, often tied to response-time commitments in your contract, while summer work carries more property-damage and equipment risk. Many operators carry one policy built to flex between the two rather than switching coverage by season.
Standard business interruption coverage generally requires insured damage to trigger a claim. Rain delaying installations or poor weather reducing garden centre traffic is not usually enough on its own. For nurseries and greenhouses, confirm how covered damage to plants or equipment affects income protection, including any waiting period and how long income losses remain covered.
Cost depends on factors such as the type of work you take on, your equipment and vehicle fleet, your claims history, your location, and the coverage limits you select.
