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?
- Commercial Property Insurance
- Product Liability Insurance
- Commercial Auto Insurance
- Tools & Equipment Insurance
- Commercial Umbrella Insurance
- Cyber Liability Insurance
Yes, but this usually requires an equipment breakdown endorsement, which covers systems like heating, ventilation, and lighting that are critical for crop survival.
Yes, many policies offer crop coverage for plants being grown, but this may require additional terms or endorsements.
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
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.
- 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.).
Why choose Western?
When you get your insurance coverage through us, we will send you the certificate of insurance right away, so you can focus on what you do best. It’s easy, fast, and customized. Get an online quote, text, email, or phone call. Choose what works for you.
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