GrowPro®
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
- Hybrids
Ineligible Exposures:
- Livestock on Premises
- Selling or Growing of Fruits and Vegetables (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)
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
Minimum Premium
- $2500 Package
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)
