Garden centre insurance

Most garden centres contain a variety of assets, from glass buildings to log cabins, aquatic centres and extensive nursery grounds; whatever your speciality, protecting against the unexpected is essential. Without tailored garden centre insurance in place, you could be personally liable to rectify damage or pay compensation awards if someone makes a claim against you.

At Premierline, we can arrange garden centre insurance policies that can be as simple or comprehensive as you need depending on your business requirements. When deciding what insurance and covers you need to protect your business, you should consider the following:

• Public liability – for injured shop visitors or damage to their property.
• Employers’ liability – to protect your shop employees.
• Buildings cover – to cover for loss or damage to your shop premises.
• Equipment, contents and stock – to reinstate your items and belongings.
• Business interruption – to keep finances running when disaster strikes.
• Money cover – for theft or attempted theft.
• Goods in transit – to cover for loss or damage to stock when in transit, loading or unloading.
• Business legal expenses – to cover the cost of legal expenses or defending your shop against legal action.

More information

The cost of your garden centre insurance will depend on your business activities, the location of your business and the amount and type of covers you require to protect your garden centre. Like any other insurance, generally the more cover you require the higher the premium.

The value you gain from having the right cover in place is a huge benefit to your business. An insurance policy is a product that you have paid for that you may never get to use, but also a product that you hope that you will never need to call on.

We have helped many garden centres arrange their insurance, and over the years have gained a thorough understanding of the exposures you face that could lead to financial loss. We understand that every garden centre is unique, and requires specific insurance to safeguard against unforeseen events. We arrange garden centre insurance to meet your needs and to let you work without worry.

Whatever your speciality, we can arrange business insurance for many home and garden businesses. Examples of businesses we work with include:

• Garden centres
• Nurseries
• Aquatic centres
• Centres which incorporate other departments such as home, DIY, kitchen, and seasonal
• Centres which may include a cafe or restaurant for customers

Try to have your existing insurance schedule and renewal notice available as this will give us the majority of the information that we will need. However, if you are a new business, don’t worry – our business insurance advisors will be able to guide you through the process of understanding and identifying your insurance needs.

We will email your policy documentation to you which means you will receive these straight away. Alternatively, if you would prefer your documents to be posted, you will normally receive them within 5 working days.

You can pay annually using a credit/debit card or by making an electronic payment. Alternatively you can manage your payments through a monthly Direct Debit plan with our approved premium finance provider, Premium Credit Limited.