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Plant stores specialize in the sale of live shrubs, trees, herbs and other forms of vegetation. Potted plants may be purchased for indoor display and larger plants, such as fruit trees, may be bought and replanted outdoors by the customers. Plants for sale may have been grown or pre-purchased by the seller.

General Liability Insurance for Plant Stores – All customer areas, both inside and out, should be kept free of debris and easily navigable. Any hanging plants should be securely fastened and kept high enough to prevent customers from bumping into them. Aisles should be kept free of hoses, shovels and other items that may be potential tripping hazards in plant stores. Spills from watering should be immediately attended to in order to prevent slip injuries. Liability risks will increase if planting services are offered.

Workers’ Compensation Insurance for Plant Stores – Employees of a plant store should be properly trained in the use of all necessary equipment including ladders, mowers, trimmers, pruning shears, etc. Walkways and work areas should be kept free of clutter to prevent trips and falls. Proper lifting techniques should be used when moving heavy or awkwardly shaped plants.

Business Auto Insurance for Plant Stores – Some plant stores may offer delivery of large orders. Additionally, employees may need to use company vehicles to run post office and banking errands. All drivers should have a valid license, clean driving record and acceptable amount of Personal Auto insurance coverage.

Property Insurance for Plant Stores – Certain chemicals and fertilizers may be flammable and should be separated from other combustible materials. Smoking should be prohibited anywhere on the property and fire extinguishers should be available at key points around the plant store. Plants should be protected from freezing temperatures and high winds. Customers may try to load more plants into their car than they’ve paid for – and for that reason employees should be diligent when checking out customers and removing plants from inventory.

Crime Insurance for Plant Stores – Employee theft of inventory at a plant store can be reduced by conducting regular inventory audits and never leaving an employee alone in the store. Making frequent bank deposits and only keeping the minimal amount of cash in the store can prevent robberies.