Hortico-AgricoRISK MANAGEMENT SOLUTIONSRequest a reviewYOUR BUSINESS, IN CONTEXT
Structures, growing stock, equipment and the income behind each growing cycle.
A greenhouse operation can have very different exposures under the same roof. Frames, coverings, plants, controls and heating equipment deserve separate questions. We help you build a coverage conversation around how the operation actually grows and sells.
Review frames, glazing, poly coverings and growing stock, including how they are valued and whether each is specifically addressed. Replacement cost, depreciation, exclusions and seasonal values can change the comparison between policies.
Heating, irrigation, electrical systems and climate controls can be critical to a crop. Discuss equipment breakdown and business income alongside property coverage, including the covered causes of loss and time needed to resume operations.
Retail sales, deliveries, seasonal workers, multiple locations and visitor activities may need to be disclosed and considered separately. A review brings those activities into the same conversation.
COMMON QUESTIONS
Do not assume they are. Ask how each item is described, valued and insured, and review the relevant exclusions and endorsements.
A current policy, location and structure list, approximate seasonal stock values, equipment information and your renewal date are useful. You can start the conversation before gathering everything.
Our roots are agricultural. Your business may reach further. Start with a conversation about your needs.
Contact our team