Garden Centre Insurance

Why choose Howden for Garden Centre Insurance?

As a specialist insurance broker for garden centres, we know the worth of a working water feature, the value of your outdoor garden furniture stock, and the pride you take in your plants. From heavy-duty gardening tools to gift cards and tea shops, we’ll help you find the right cover ensure your business can grow while remaining fully protected in the face of unexpected events.

Our specialist Garden Centre insurance aims to help cover the associated risks of your activity to protect your business. When it comes to garden centre cover, we don’t just protect your plants, polytunnels, and power tools. Our extensive cover options incorporate both open and indoor stock – including high-risk items like koi carp – as well as liability insurance for staff, customers, and your team when making deliveries or working offsite. We can also arrange business interruption cover, motor fleet, and property insurance (vital for onsite greenhouses and sheds).

Benefits of working with Howden:

• Property insurance including timber framed, green houses, and polytunnels
• Stock insurance, including stock in the open
• Increased Public Liability cover in case of trip and fall claims from customers
• Increased Employers’ Liability cover, mitigating risk to employees undertaking physical work
• Work Away cover for delivery drivers and contracted offsite gardeners
• Cover for high-risk stock, commonly stolen, such as koi carp and power gardening tools
• Business Interruption cover with indemnity periods up to 36 months
• Motor Fleet insurance
• Directors’ and Officers’ liability

Whether you’re a new customer wanting to take out a brand-new policy, renew an existing one, or just gathering quotes and info, at Howden we’re here to help.

Why not speak to our dedicated garden centre team today and discover how Howden can build a bespoke insurance solution for your garden centre business.