Horticulture businesses face a mix of operational and environmental risks and to mitigate these, you need the right people by your side. At Everywhen, we work with sector bodies like the HTA to stay close to the challenges you face. That means we can help you meet compliance requirements while protecting your assets.
Insurance shaped around your premises, stock and seasonal activity
Protection for clean-up costs and ecological impact
Cover for tools, vehicles and refrigerated or frozen goods
Support from people who understand horticulture
Cover for garden centres, growers, landscapers and suppliers
Protection for mixed construction buildings including glasshouses
Support with seasonal stock increases and business interruption
In-house claims team with sector experience
Advice from people who understand horticultural operations
Your policy will be shaped around the way you work, whether you're cultivating plants for sale, maintaining public grounds or something else.
Property and premises: Protection for buildings, including glasshouses and mixed construction
Stock and equipment: Cover for tools, vehicles and refrigerated or frozen goods (up to £5,000 included free)
Public liability: Insurance for injury or damage linked to your work
Employers’ liability: Required cover for your team, including seasonal staff
Business interruption: 24-month indemnity period as standard
Environmental liability: Protection for clean-up costs and ecological impact
Management liability: Cover for directors and decision-makers
Cyber and crime: Insurance for digital threats and financial loss
Seasonal stock uplift: Automatic 25% increase in stock sum insured around bank holidays and peak months
Weight of snow cover: Protection for glasshouses against structural damage
