Indoor Growers and Garden Centres Insurance

Coverage That Helps Your Greenhouse Weather Any Storm

Western Financial Group is an award-winning brokerage. We work with Canada’s leading insurance partners to get you the right coverage and value. We know how important it is to protect what you’re building. Secure your operation. Safeguard your future. Let’s grow together.

What is Greenhouse Insurance?

Greenhouse insurance is a type of coverage that protects your greenhouse and everything in it, plants, tools, equipment, and sometimes even the structure itself, from unexpected events like storms, fires, theft, or accidents.

Our insurance expertise will benefit your Garden Centre business

We make the process easy by getting insurance quotes for you and giving you policy coverage options that you can choose for your Garden Centre business's specific needs.

For businesses, such as plant nurseries, garden centres, and commercial gardens, Greenhouse insurance can cover your buildings/contents (ie. crops) damaged by theft, fire, vandalism, collapse and water. Your greenhouses and additional structures could also be protected from hail and wind damage.

Who needs Greenhouse insurance?

Plants, Trees, and Shrubs Growers & Cultivators
Hydroponics stores and Greenhouses
Plant Nurseries

Landscape Supply Stores
Horticultural Businesses
Commercial Gardens

What kind of risks does Greenhouse Insurance covers?

Business Interruption due to an insured peril (i.e. fire, theft, water damage)
Commercial General Liabilibilty

What other insurance coverages can I get for my Garden Centre business?

Can I get coverage for loss due to equipment failure?

Yes, but this usually requires an equipment breakdown endorsement, which covers systems like heating, ventilation, and lighting that are critical for crop survival.

Can I insure the crops inside the greenhouse?

Yes, many policies offer crop coverage for plants being grown, but this may require additional terms or endorsements.

How much does greenhouse insurance cost?

We want you to always have the right coverage for your business. We’ll need to know:

Location
Structure type, size and age
Material Used (glass, plycarbonate, plastic, etc.)
Electrical systems
Roof
Plumbing and/or heating system
Claim History

Do I need insurance if my greenhouse is for personal use?

It depends. If it's a small backyard greenhouse, your homeowner's insurance may offer limited coverage. For larger or more valuable setups, especially with commercial intent, a separate policy is recommended.

How often should I review or update my greenhouse insurance?

At least annually, to adjust for changes in value of crops, new equipment, structural upgrades.
After major investments or changes (new heating/lighting systems, expansion).
If region’s risk profile changes (e.g. new flood zones, climate changes etc.).