Worker measuring metal pipe with caliper

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.


 

Related Coverages


Commercial Auto Icon

Business
Auto

Coverage for your work vehicle or an entire fleet.

Commercial Umbrella icon - umbrella with brief case

Business
Umbrella

Additional coverage when you need to go above and beyond your regular policy.

Workers' Compensation icon

Workers'
Compensation

Protect yourself and your staff if there's an injury or disability on the job.

 

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. 

 

Get a quote now!

Talk to your independent insurance agent for a quote on coverage, and for more details on what Hastings Mutual can do for you.

 
    • Planning Spring Planting (video)

      June 6, 2019 - 10:32 AM

      Video Transcript

      Planning Spring Planting

      Spring is finally here, and it’s time to think about planting your vegetables and flowers so you can enjoy them all summer long.

      Some of you may plant in small plants or fill acres of land with what you...Full story

    SS-28 Thumbnail

    Download Our Sell Sheet

    Download