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These shops sell growing trees, shrubs, flowers and other plants to the public. Customers typically care for and cultivate in their own gardens and/or pots after purchasing them. Customers can also purchase seeds and bulbs in order to grow their own plants. Gardening supplies and tools, including shovels, rakes, hoes and fertilizer are also available. Growing products are typically stored outdoors, either exposed to the elements or inside greenhouses, while seeds, bulbs and supplies are stored indoors. Plants for sale at nurseries may have been pre-purchased or grown by the business owner.

General Liability for Nursery & Garden Shops – Nursery and garden shops often use equipment such as forklifts to arrange their stock. Equipment operators should be trained to protect the safety of customers and an additional employee should closely supervise the area, being careful to warn all customers in close proximity to not get too close to the forklift. It is safer if the stock is moved on a conveyance such as a hand truck or dolly. Floors and walkways should be in good repair and free of trip and fall hazards. Floors may often be wet due to the frequent watering of plants. Water should be cleaned up immediately or customer access should be restricted until dry. Pesticides and other chemicals should only be used when customers are not present. Outdoor areas should also provide ample walk space. Water hoses should be out of the way of customers and rolled up when not in use.

Workers’ Compensation Insurance for Nursery & Garden Shops – Nursery and garden shop employees may be injured when using motorized equipment such as forklifts. Loading and unloading stock and lifting heavy materials could also result in injury. Stepladders and stools may also be used at nursery and garden shops, which will increase workers’ compensation risks. When not in use, they should be stored in a safe place. Improper use of hazardous chemicals could cause skin, eye, or lung injury. Personal protective equipment should be worn as a result. The store should provide adequate training for all operations.

Business Auto Insurance for Nursery & Garden Shops – If delivery services are offered at the nursery and garden shop, then vehicles must be in working order and regularly maintained with service records available. If delivery vehicles are late model vans or trucks, then auto risks will be lower. Delivery drivers should have good driving records and their MVRs should be checked often.

Property Insurance for Nursery & Garden Shops – Plants can be ruined at nursery and garden shops in the event of a fire. Flammable products such as insecticides, pesticides, and fertilizers should be properly used and stored. Smoking should not be allowed in areas where such flammable products are stored. Smoking should only be allowed in designated areas located outside. Nursery and garden shops should have fire suppression systems should be in place. Outdoor equipment and merchandise may be vandalized. Alarms, security systems and cameras should be used to help prevent vandalism at nursery and garden shops.

Crime Insurance for Nursery & Garden Shops – Dishonest employees may steal merchandise or money from nursery and garden shops. Money may also be stolen from the shop as a result of burglary or robbery. The property should be protected with alarms and security systems in addition to adequate outside lighting. The handling of money should be managed and employee duties should be separated. Cash registers should be monitored and frequent bank deposits should be made.