Greenhouse Plus Endorsement

You work hard so your plants are healthy and green throughout the growing season. Hastings Mutual will work hard to make sure your business is just as vibrant as the crops you grow.

Coverage Highlights

Business Income and Extra Expense – No Waiting Period 

If you can’t operate your business because your property or equipment is damaged, we’ll help cover your costs, up to $50,000.

Changes in or Extremes of Temperature or Humidity 

Plants need the perfect conditions to thrive. We’ll pay for the loss of or damage to perishable goods affected by heat, cold, or humidity. The limit is up to $5,000.

Peak Season 

Valentine’s Day, Mother’s Day, spring, and more — as your inventory increases with the season, the limit of your business personal property increases 25% during that time.

Property Off-Premises and in Transit 

Coverage applies to your plants, equipment, and other materials even when you’re not on your own property (for example, when it’s being transported or displayed off-site). The limit is $25,000, with a $250 deductible.

Property in Custody of Salespersons 

If your employees or salespersons are using materials for a demonstration, your coverage limit is $5,000, with a $250 deductible.

Other features include…

Debit, Credit, or Charge Card Forgery

Losses from forged debit, credit, or charged cards used in your business are covered, up to $5,000, with no deductible.

Newly Acquired or Constructed Property

Building or buying a new structure for your growing business? We’ll cover $100,000 for greenhouses, and $500,000 for other structures and related personal property (not including crops), for a limited period of time. 

Product Recall Expense

If you have to pull your product off the shelves as part of a recall, we’ll pay your costs, from removal to repair to disposal. The limit is $25,000, with no deductible.