Whether your client is a greenhouse grower, a nursery, a retail garden center, or any combination, GrowPro can be tailored to their unique insurance needs. With the two largest commercial Property & Casualty insurance carriers in the country supporting the program, GrowPro has the broadest array of coverages and the most flexible pricing plans for these types of business.

Program Highlights

  • AM Best A Rated (Excellent) Carriers (Company Size XV)
  • Competitive Rates
  • Superior Customer Service
  • Assistance with proper valuation of greenhouses and the equipment contained within

Eligible Exposures:

  • Greenhouse Growers
  • Nursery Growers
  • Independent Garden Centers
  • Florists
  • Urban Farms (100% Hydroponic fruit and/or vegetable growers and distributors)
  • Hybrids
  • Sod Farms

Ineligible Exposures:

  • Livestock on Premises
  • Selling or Growing of Fruits and Vegetables (other than 100% Hydroponic Urban Farms) (Transplants acceptable, must sell directly to grower)
  • Operations with Fewer than 3 Employees, Including Partners and Owners
  • Agricultural Crop Spraying
  • Snow Removal (Limited snow removal may be acceptable)
  • Contractors providing work within New York City’s 5 Boroughs

Minimum Package Premium

  • $10,000

Lines of Business

  • General Liability – Premises and Operations (limits up to $1M per occurrence/$2M aggregate)
  • Auto Liability (limits up to $1M per occurrence/$2M aggregate)
  • Property, including Equipment Breakdown (limits up to $15M per location)
  • Product Liability (limits up to $2M)
  • Umbrella Liability (limits up to $15M)
  • Workers’ Compensation (Statutory Limits)

Special Coverages

  • Coverage for buildings, greenhouses and crops for losses due to fire, wind, collapse, hail, failure of utility services and boiler or equipment breakdowns
  • Wind and hail coverage for outdoor plant inventory up to $250,000
  • Market value coverage on losses of greenhouse crops
  • Limited pollution liability coverage
  • Coverage limits can be tailored to seasonal fluctuations of crop and inventory

Submission Requirements

  • Completed and signed ACORD applications and NIP GrowPro Supplemental
  • Complete description of operations
  • 3 years plus 1 current year of currently valued, hard copy loss runs for all lines of business being requested
  • MVRs for all drivers of company vehicles (if auto coverage requested)
  • Workers Compensation: Description of safety initiatives, hiring practices, return-to-work and drug testing programs; Experience Modification Worksheet and 3-5 year history (if available)
ANLA Member
NIP Group, Inc. 900 Route 9 North | Suite 503 | Woodbridge, NJ 07095-1003 | 800.446.7647