Greenhouse Insurance: Cost & Quotes From $33/mo

Table of contents

There are more than 8,000 greenhouse farmers in the US. If you are a greenhouse business owner, you will want to protect your greenhouse from various liabilities that can occur. To build an effective greenhouse insurance policy, you need several key components that cover things like injuries and property damage. This article will cover topics that include:

  • The inclusions in greenhouse insurance

  • Coverage limits and other important questions

  • Cost of premiums

  • The best companies 

General Liability Insurance for Greenhouses

CoverWallet  NEXT (Best) Thimble  Hiscox The Hartford
Per occurrence limit  $1,000,000 $1,000,000 $1,000,000/$2,000,000 $300,000/$1,000,000 $1,000,000/$2,000,000
Aggregate limit  $2,000,000 $1,000,000/$2,000,000 $1,000,000/$2,000,000 $300,000/$2,000,000 $1,000,000/$2,000,000
Products and completed operations aggregate limit  $2,000,000 $1,000,000 $1,000,000 $1,000,000 $1,000,000
Advertising injury coverage aggregate limit  $1,000,000 $1,000,000 $1,000,000 $1,000,000 $1,000,000
Tenant’s legal liability coverage limit  $100,000 $100,000 $5,000 $100,000 $1,000,000
Waiver of subrogation included? Yes No Included Can be included No
Hired/non-owned auto liability coverage included? Yes No Excluded Can be included Can be included
Equipment breakdown floater included? No  Yes Yes Can be included Can be included


General liability insurance is a component of green house insurance that protects your business from third-party liabilities like personal injury and property damage. Some situations to use this policy include:

  • While a customer is touring your greenhouse, they fall over a plant and need medical treatment

  • A vegetable crop you have grown causes sickness after a customer buys it

What Are the Coverage Limits of General Liability Insurance for Greenhouses?

You will find coverage limits of $2 million in aggregate coverage and $1 million per occurrence.


What Add-Ons Should I Get for General Liability Insurance for Greenhouses?

To customize your policy further, a good policy add-on to get would be fire liability insurance. This can protect your greenhouse when a fire breaks out and injures someone due to the chemicals you keep there. It can even cover you in situations where you are negligent.


Does General Liability Cover Theft Claims?

This greenhouse liability insurance  only covers third-party claims. You would need a separate policy for that if someone steals a piece of equipment you own. 


Public Liability Insurance for Greenhouses

Commercial greenhouse insurance with public liability coverage focuses on third-party claims from the general masses. Situation examples include:

  • A member of the public walks into your greenhouse but injures your leg on a piece of equipment

  • Someone tries to sue your company for property damage caused by your greenhouse operations

What Are the Coverage Limits of Public Liability Insurance for Greenhouses?

Your public liability insurance policy typically has a coverage limit of $1 million per occurrence and $1-2 million in aggregate.


What Offers Better Coverage between General Liability and Public Liability?

General liability covers a wider variety of situations than public liability. When insuring greenhouses, general liability is typically the better choice for this reason.


Pollution Liability Insurance for Greenhouses

A greenhouse insurance company may offer a pollution liability policy for your business. This policy protects your company from clean-up costs and possible liability coming from storing and using hazardous chemicals.

  • A hazardous chemical leaks from a storage container and needs to be carefully cleaned up

  • A chemical spill becomes publicized, and you need to hire a crisis management team to repair your reputation

What Are the Coverage Limits of Pollution Liability Insurance for Greenhouse?

Pollution liability policies can have a coverage limit of $500,000 per occurrence and $500,000 in aggregate. This number will vary depending on the policy.


Is Pollution Liability Legally Required?

In some cases, yes. You are legally responsible for environmental pollution, even if you are unaware that you are causing it. Pollution liability is one of the best ways to ensure your business is covered.

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Commercial Property Insurance for Greenhouses

CoverWallet NEXT (Best) Thimble The Hartford Hiscox
Building coverage limit (minimum) $50,000 $340,000 $25,000/$500,000 $35,000 $25,000
Contents coverage limit (minimum) $50,000 $35,000 $25,000/$500,000 $35,000 $15,000
Outdoor signs Excluded $2,500 Excluded Excluded Included
Accounts receivable  Excluded Excluded $5,000/$10,000 Excluded Included
Money and securities Excluded $2,500 $1,000 Excluded Included
Lock and keys  Excluded $2,500 Excluded Excluded Included
Business interruption floater Excluded Included Included Excluded Included
Equipment breakdown floater Excluded Included Excluded Excluded Included
Inland marine insurance floater Excluded Excluded $10,000 Excluded Excluded
Employee dishonesty floater Excluded $5,000 $2,500 Excluded Excluded


Commercial property insurance can be a critical component of your greenhouse nursery insurance coverage. It provides protection for your business premises and property when it gets damaged. Example cases of coverage are listed below.

  • A severe storm caused structural damage to your greenhouse that needs to be repaired

  • While growing flowers in your greenhouse nursery, a criminal breaks into your property and vandalizes your products

Commercial Property Coverage Limits

Commercial property insurance will have a median coverage limit of $60,000.  The coverage you get is dependent on the value of your business property.


Is My Polytunnel Greenhouse Also Covered?

Yes, commercial property insurance can be a valuable component of polyhouse insurance. Polyhouses are often smaller than traditional greenhouses and can be more vulnerable to tearing in rain storms due to the films that are often used.


Business Owner’s Policy for Greenhouses

CoverWallet NEXT (Best) Thimble  The Hartford Hiscox
General liability aggregate limit  $2,000,000 $1,000,000/$2,000,000 $1,000,000/$2,000,000 $1,000,000/$2,000,000 $300,000/$2,000,000
Commercial property coverage limit  $50,000 $320,000 $25,000/$500,000 $35,000 $75,000
Optional policies can be added? Yes Yes Yes Yes Yes
Name additional insureds for free? Yes Yes Yes Yes Yes
BOP discount? Yes Yes Yes Yes Yes

Business owner’s policy combines commercial property coverage, general liability coverage, and other policies together into a simplified insurance. Some situations include:

  • A customer gets injured and damages your property. A business owner policy would cover both the customer injury and your own property damage

  • If your business income is interrupted by a fire, a BOP with business interruption insurance can help you offset lost income and help you if you need to move your business

What Add-Ons Should I Get for BOP?

Business interruption insurance is a great idea for greenhouse business owners. If a covered event negatively impacts your business sales through property damage, you can get a benefit to offset those losses.


Coverage Limits of BOP for Greenhouses

Business owner’s policy will have coverage limits for general liability between $1 and $2 million per occurrence and $2 million or more in aggregate coverage.




Tools and Equipment Insurance for Greenhouses

NEXT  Thimble Hiscox The Hartford
Aggregate limit $3,000/$10,000 $2,500/$5,000 $15,000/$25,000 $5,000-$10,000
Covers hired and borrowed equipment? $3,000/$10,000 $2,500/$5,000 No Yes
Miscellaneous equipment also covered? $5,000/$10,000 No Yes Yes
Offered as an endorsement to general liability insurance? Yes Yes Yes Yes
Deductible $500 $500 $0 $0


Tools and equipment insurance protects your business tools when they are stolen, damaged, or need to be replaced through physical damage. Examples of when to use this policy include:

  • A fertilizer sprayer gets damaged from a windstorm and is in a state of disrepair

  • A criminal breaks into your greenhouse and steals your gardening tools

Coverage Limits of Tools and Equipment Insurance for Greenhouses

A typical policy will cover movable tools under $10,000 and insure equipment for an average of $5,000.


Am I Covered Even if I Take My Tools off My Property?

Yes, unlike commercial property, you can still get coverage for your tools even when you use them away from your business.


Add-Ons to Tools And Equipment Insurance for Greenhouses

A leased or rented items policy addon will reimburse extra expenses if you need to hire greenhouse equipment because those that you own are currently being repaired. 


Workers Compensation Insurance for Greenhouses

A workers’ compensation policy protects any employees you have when they get injured on the job. The coverage will kick in during situations like

  • An employee trips while working and twists their ankle, reducing their ability to work.

  • One of your employees get exposed to dangerous chemicals and develops a medical condition

What Are Some Common Worker’s Compensation Benefits?

See the chart below for the common types of workers comp benefits employees receive:

Temporary Partial Covers lost wages due to a partial injury forcing an employee to work less or take lighter work
Temporary Total Pays benefits when a worker has to miss consecutive days of work due to an injury
Permanent Partial Offers a partial benefit for a permanent injury that reduces working capacity
Permanent Total Pays a lifetime benefit if a worker can no longer work and will not be able to medically recover
Death Benefit Pays out benefits to surviving dependents and family if a worker dies on the job

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Greenhouse Insurance Cost

Cost per Month Cost per Year Deductible
General liability insurance $46 $552 $0-$500
Commercial property insurance $50 $600 $1,000-$2,000
Business owner’s policy $96 $1,152 $1,500
Tools and equipment insurance $49 $588 $1,000
Workers compensation insurance $88 $1,056 $1,000-$2,500


The premiums for greenhouse business insurance is $46 per month or $552 per year for a $1 million general liability policy. Factors that affect premiums are claims history business history, policy limits, deductibles, and revenues. Here’s another table showing the cost of $1 million general liability insurance from companies we recommend:

Cost per Month Cost per Year Best for
NEXT $33 $396 Best overall; Fastest general liability insurance for greenhouses
The Hartford $36 $432 Policy discounts
CoverWallet $39 $468 Comparing greenhouse insurance quotes online
Tivly $43 $516 Comparing greenhouse insurance quotes over the phone
Thimble $45 $540 On-demand coverage for greenhouses
Hiscox $54 $648 Insurance industry experience

Compare Cheap Greenhouse Insurance Quotes Online

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Best Greenhouse Insurance Companies

Here are some of the best companies for a comprehensive greenhouse insurance coverage. Read some of the reviews below to know their pros, cons, and average rate for a $1 million general liability insurance. 


NEXT Greenhouse Insurance

Pros

  • Best overall

  • Issues an online proof of insurance instantly

  • Fastest general liability insurance for greenhouses

  • Great customer service and reputation

  • Excellent rates

  • Outstanding value for money

  • Get a 10% discount if you buy two or more policies 

Cons

  • Couldn’t find any

NEXT offers an online insurance experience with a fair amount of policy choices. You can get general liability, commercial property, tools and equipment insurance, and more for your greenhouse insurance policy. This company has an A- financial strength rating from AM Best and a B+ from the Better Business Bureau.

Best for: Best overall; Fastest general liability insurance for greenhouses

Average cost: $33 per month 

Our rating: 10/10 


The Hartford Greenhouse Insurance

Pros

  • 200 years in the insurance industry

  • Easy claim tracking

  • Renowned company for workers compensation insurance

Cons

  • Fewer discounts than competitors

The Hartford offers business property, general liability, and workers’ compensation insurance for your greenhouse business policy. They make tracking claims of your policies easy and provide a nice catalog of policy options. The Hartford has an A+ rating from AM Best and an A+ from the BBB.

Best for: Insurance industry experience

Average cost: $54 per month 

Our rating: 10/10 


CoverWallet Greenhouse Insurance

Pros

  • All the policy options you need

  • Compare prices with their system

  • HNOA coverage automatically added to general liability insurance

Cons

  • Doesn’t provide coverage directly

CoverWallet acts as a digital wallet for your insurance policies. You can use their dashboard to track different policies of your insurance coverage. They offer general liability, business owner’s policy, workers’ compensation, commercial property, and more. CoverWallet boasts an A+ rating from the Better Business Bureau.

Best for: Comparing greenhouse insurance quotes online

Average cost: $39 per month 

Our rating: 10/10 


Tivly Greenhouse Insurance

Pros

  • 200 partners to choose from

  • A tailored customer experience that connects you with the right provider

  • Personalized approach in getting you covered

Cons

  • Have to call to get a quote

Tivly is a tech insurance company that offers a digital platform to buy insurance from. They give you access to 200 providers who offer policies like commercial property, general liability, and workers’ comp. The company has 20 years of experience in the industry and a score of A from the BBB. Call now to compare quotes over the phone. 

Best for: Comparing greenhouse insurance quotes over the phone 

Average cost: $43 per month 

Our rating: 10/10 


Thimble Greenhouse Insurance

Pros

  • Small business-friendly

  • Easy policy purchases

  • On-demand coverage

  • Numerous add-ons to general liability insurance

Cons

  • Customer support is less convenient

Thimble offers a quick way to get your policy ready when you need it. They cater to first-time insurance buyers, who are 75% of their business. The company covers 300 professions and has experience developing policies that would be perfect for your greenhouse business. Thimble has an A (excellent) rating with AM Best for its financial strength.

Best for: On-demand coverage for greenhouses

Average cost: $45 per month 

Our rating: 10/10 


Hiscox Greenhouse Insurance

Pros 

  • Lenient refund policy

  • Bundling saves you money on each policy

Cons

  • Not available in every state

Hiscox has an excellent selection of policies that are focused on being unique and customizable. With Hiscox, you work with an agent who only adds the coverage you need, so you are maximizing the value of your insurance. Hiscox has an A+ rating from Fitch for its long-term financial strength.

Best for: Policy discounts

Average cost: $54 per month 

Our rating: 10/10 

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