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. GrowPro has the broadest array of coverages and the most flexible pricing plans for these types of business, so we can provide your clients with the coverage they need, at a price they’ll appreciate.

Program Highlights

  • 20+ years of Green Industry experience for risk control guidance and proper valuation of your client’s operations, property and equipment
  • Carrier Rated A (Excellent), Financial Size XV by A.M. Best    
  • Specialized Coverages Not Available Through Typical Products
  • World-Class Risk Control Services
  • Expert Claims Handling
  • Flexible Payment Plans
  • Competitive Rates
  • Superior Customer Service

Eligible Exposures

  • Greenhouse Growers
  • Nursery Growers
  • Independent Garden Centers
  • Florists
  • Urban Farms (100% Hydroponic fruit and/or vegetable growers and distributors)
  • Hybrids
  • Sod Farms
  • Program is admitted and written in all states except Alaska and Hawaii.

Ineligible Exposures

  • Livestock on Premises
  • 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
  • Completed and signed NIP GrowPro Supplemental
  • FEIN Number
  • 4 years of currently valued, hard copy loss runs for all lines of business being requested
Eligible States
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