What could go wrong?

Here are the claims garden centers and nurseries see most often: heavy pots and bags, uneven outdoor walkways and chemical exposure. Landlords usually require GL in the lease, and every shopper is a potential premises claim. If your business is found negligent, medical bills or repair costs can land on you.

A class Coterie knows

Nursery, Garden Center, and Farm Supply Stores ranks #97 on Coterie’s Top 100 classes list (December 2025), so this is a business type Coterie actively writes.

Choosing your coverage

General liability: General liability covers third-party bodily injury, property damage and, for most classes, personal and advertising injury. Per-occurrence limits are $300K, $500K, $1M or $2M, with aggregates at twice that, and the policy includes medical payments and damage to rented premises.

Business owner’s policy: A BOP protects inventory, fixtures and outdoor signs and adds business income if a covered loss closes the store.

Eligibility notes for garden centers and nurseries

One location per policy; size and loss-history guidelines apply. Across all classes, Coterie generally accepts up to $10M in revenue and 50 employees, one location per policy, no more than two losses in five years (none over $15K) and no prior cancellations or non-renewals.

Service built for small business

Quotes and certificates are instant, and Coterie’s own team manages claims from start to finish. As a bonus, Manage My Risk gives you free safety resources and risk assessments you can share with your team.

All coverage is subject to underwriting and availability.

Quote and bind in minutes: Coterie Quote and Bind

Prefer a phone call? America Insurance Brokers can walk Georgia garden centers and nurseries through every option.

Get a quote

Start your Coterie quote online, or call America Insurance Brokers to talk through your options for Georgia nursery, garden center, and farm supply stores.