A policy which has been tailored for Garden Centres, Growers and Horticultural Nurseries. It provides a wide range of sections and allows you to pick and choose the cover required and the level of protection needed.
Section 1 – Property |
All Buildings, Contents, Stock, Growing Crops, Fixtures & Fittings and Property in the Open. A wide choice of perils including storm damage to glasshouses and theft of property in the open (subject to forcible & violent entry / exit). Cover includes storm damage to poly tunnel framework.
Basic £500 excess for all perils other than fire, Lightning, Explosion, Aircraft
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Section 2 – Employers Liability |
£10m Limit of indemnity
Agricultural Wages Board ‘Sick Pay’ option for Horticultural workers.
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Section 3 – Public / Products Liability
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£1m, £2m or £5m Limit of Indemnity
£1m Indemnity re: Pollution (Sudden & Unforeseen)
Can include Play areas & Food/Refreshment facilities
Option to include ‘work away’ from premises Basic property damage excess: £250
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Section 4 – Money |
On the premises
In transit
At home of principal or senior employee(s)
Personal Accident Assault cover
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Section 5 – Business Interruption |
Loss of Gross Profit and / or
Loss of Income
Increased Cost of Working
Flexibility to design cover to meet insured’s needs
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Section 6 – Accidental Breakage of Glass
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First Loss limit: £1000, £2000 or £5000
Option to include Plastic/Neon signs
Excess: £50
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Section 7 – Goods in Transit |
Own Goods, Haulage, Deliveries
Excess: £50
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Section 8 – Personal Accident |
Selected benefits for named individuals
Excess: 7 days
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Section 9 – Personal Accident |
Group scheme paying flat benefit for all employees
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Section 10 – Commercial All Risks |
Office contents, Business equipment, etc
Minimum excess: £50
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Section 11 – Horticultural & Hired In Plant
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All Risks cover available including Loss of Hire Charges
Excess: £100 or 5% (whichever greater)
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Section 12 – Deterioration of Frozen Food
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Contents of Frozen Food cabinets
Excess: £50
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