| Floral and Nursery Operations |
Why do Florists, Greenhouse and Nursery Operations choose us for their Insurance needs?Even if you are not in the market for insurance right now, you owe it to yourself to come talk with us for a few minutes
WE UNDERSTAND YOUR BUSINESSYou run a nursery, greenhouse, or floral business. The hours are long but so are the rewards. You work in surroundings you love, servicing customers you care about, and you have a direct connection to the seasons, the natural environment and the world of horticulture. Your stock is highly perishable. Your equipment is expensive. You may work with hazardous chemicals or dangerous machinery. And you face fierce competition from supermarkets and discount stores. To meet these challenges,you need more than loyal customers, marketing skills and business savvy - you need protection against the unexpected. How well do you know the risks you face?Could you recover from the unexpected? Is your business - and your family - protected against catastrophic loss, accidents, liability claims or loss of income? Green enterprise owners need flexible, focused insurance that addresses specific exposures and goals. Satisfying this need is not just a matter of calling an 800 number, getting a quote on a Web Site or buying a one-size-fits-all business owners policy. You need direct, personal service from an insurance agent who's willing to spend time with you, to tour your operation and to understand your concerns for the future. You need a long term relationship with an agent and a company you can trust, so that as your needs change over time, you can manage your coverage to match your exposures. As your Farm Family agent learns about you and your business, surveys your operation and assesses your current coverage's, he or she will help you look at potential risk and exposures through fresh eyes. PROFESSIONAL INSURANCE REVIEWSRisk is an inherent part of any green enterprise. Whether you're a grower, wholesaler or retailer, you have a big investment in plants and equipment, a reliance on key employees, and frenzied seasonal demand for your products and services. Your agent understands the challenges you face; he or she will work closely with you to determine whether potential losses can be absorbed, managed through adjustment to your operation or addresses by carefully targeted insurance coverage. Based on your business goals, exposures and concerns, your agent will help you prioritize and evaluate coverage options so you can make decisions that best meet your needs and budget. OUR GOAL IS TO OFFER YOU THE RIGHT AMOUNT OF PROTECTION AT THE RIGHT TIME AND FOR THE RIGHT PRICE - SO YOU ARE PAYING ONLY FOR WHAT YOU NEED AND NOT PAYING FOR UNNECESSARY PROTECTIONPROTECTION YOU NEEDOur solutions for Floral Operations policy contains valuable coverage and features tailored for your business operations needs. Property
Liability
Loss of Income Protection
Protecting YouAnd because the most important part of your business is you, We also offer insurance to protect your family and assets:
SEASONAL CHANGESAs time passes, your business, family circumstances and insurance needs will change. You may add a retail operation to your wholesale business, introduce new products and services, or switch from owning to leasing property and equipment. These and countless other changes can significantly alter your risks and exposures. That's why your agent will be available to meet with you periodically to conduct a professional insurance review. OUR GOAL IS TO HELP MAKE SURE YOUR COVERAGE'S MATCH THE STRUCTURE OF YOUR HORTICULTURAL BUSINESS TODAYCOVERAGE YOU NEEDYou may want or need to include these special optional coverage's in your policy.
EASY TO DO BUSINESS WITHWe know that every business is unique and every situation is different. That's why we provide many special features to make your business run smoothly:
QUICK CLAIMS PROCESSINGYou need the highest level of commitment and responsiveness - so that when the unexpected happens, your claims are handled promptly and professionally. What would happen if your greenhouse boiler or retail cold storage unit failed? If disease destroyed your root stocks? If the foreman or other key employee was seriously hurt? Whether you are a retail florist, nursery owner or greenhouse operator, you know that risk is an inherent part of the green industry. If you do suffer a loss and file a claim, you want claims adjusters who stand ready to provide the responsiveness, hassle-free service that makes such a difference during your time foo need. Our claims professionals strive to process your claims quickly and get you back in business as soon as possible. We're in the business of building relationships, keeping promises and helping you protect the green enterprise you've worked so hard to build. We speak your language; we've been meeting the insurance needs of growers, families and small to medium sized businesses. Drawing on our local presence, a comprehensive portfolio of products and most importantly - the passion and commitment of our people, we can help you protect what you value most: by managing the risks of day-to-day life, recovering from misfortune and keeping your business intact for future generations.
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