This post is part of our ongoing series tailored to informing Long Island business owners about their specific insurance needs.

Long Island has a rich agricultural history, and our local garden centers and nurseries keep our island beautiful. However, your business faces unique environmental risks—from seasonal volatility to “Inland Marine” needs.

As you gear up for the spring rush, ensure your coverage is as hardy as your perennials:

• Inland Marine Insurance: Despite the name, this has nothing to do with the ocean. It protects your tools, mowers, and expensive landscaping equipment while they are in transit or at a job site away from your main nursery.
• Commercial Umbrella Policy: Garden centers often have large footprints with heavy foot traffic and moving machinery like forklifts. An Umbrella policy provides an extra layer of protection beyond your General Liability limits for major accidents.
• Farm & Crop Insurance: If you grow your own stock on-site, you need specialized coverage for your inventory. Traditional property insurance often excludes living plants; you need a policy that understands the value of your “living” assets.

Essential Tip: Does your nursery have a retail shop with seasonal items? Make sure your Business Owners Policy (BOP) is updated to reflect your peak inventory levels during the spring and holiday seasons, so you aren’t underinsured during your busiest months.