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Greenhouse Insurance: Cost & Quotes From $33/mo

For your best business protection and savings, we recommend bundling GL with some other important coverages on one Business Owners Policy!

For your best business protection and savings, we recommend bundling GL with some other important coverages on one Business Owners Policy!

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Table of contents
1. General Liability Insurance for Greenhouses1.1. What Are the Coverage Limits of General Liability Insurance for Greenhouses?1.2. What Add-Ons Should I Get for General Liability Insurance for Greenhouses?1.3. Does General Liability Cover Theft Claims?2. Public Liability Insurance for Greenhouses2.1. What Are the Coverage Limits of Public Liability Insurance for Greenhouses?2.2. What Offers Better Coverage between General Liability and Public Liability?3. Pollution Liability Insurance for Greenhouses3.1. What Are the Coverage Limits of Pollution Liability Insurance for Greenhouse?3.2. Is Pollution Liability Legally Required?4. Commercial Property Insurance for Greenhouses 4.1. Commercial Property Coverage Limits4.2. Is My Polytunnel Greenhouse Also Covered?5. Business Owner’s Policy for Greenhouses5.1. What Add-Ons Should I Get for BOP?5.2. Coverage Limits of BOP for Greenhouses6. Tools and Equipment Insurance for Greenhouses6.1. Coverage Limits of Tools and Equipment Insurance for Greenhouses6.2. Am I Covered Even if I Take My Tools off My Property?6.3. Add-Ons to Tools And Equipment Insurance for Greenhouses7. Workers Compensation Insurance for Greenhouses7.1. What Are Some Common Worker’s Compensation Benefits?8. Greenhouse Insurance Cost9. Best Greenhouse Insurance Companies9.1. NEXT Greenhouse Insurance 9.1.1. Pros9.1.2. Cons9.2. The Hartford Greenhouse Insurance 9.2.1. Pros9.2.2. Cons9.3. CoverWallet Greenhouse Insurance 9.3.1. Pros9.3.2. Cons9.4. Tivly Greenhouse Insurance 9.4.1. Pros9.4.2. Cons9.5. Thimble Greenhouse Insurance 9.5.1. Pros9.5.2. Cons9.6. Hiscox Greenhouse Insurance 9.6.1. Pros 9.6.2. Cons

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 HiscoxThe 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?YesNoIncludedCan be includedNo
Hired/non-owned auto liability coverage included?YesNoExcludedCan be includedCan be included
Equipment breakdown floater included?No YesYesCan be includedCan 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



CoverWalletNEXT (Best)ThimbleThe HartfordHiscox
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 signsExcluded$2,500ExcludedExcludedIncluded
Accounts receivable ExcludedExcluded$5,000/$10,000ExcludedIncluded
Money and securitiesExcluded$2,500$1,000ExcludedIncluded
Lock and keys Excluded$2,500ExcludedExcludedIncluded
Business interruption floaterExcludedIncludedIncludedExcludedIncluded
Equipment breakdown floaterExcludedIncludedExcludedExcludedIncluded
Inland marine insurance floaterExcludedExcluded$10,000ExcludedExcluded
Employee dishonesty floaterExcluded$5,000$2,500ExcludedExcluded


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



CoverWalletNEXT (Best)Thimble The HartfordHiscox
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?YesYesYesYesYes
Name additional insureds for free?YesYesYesYesYes
BOP discount?YesYesYesYesYes

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.