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.
If you can’t operate your business because your property or equipment is damaged, we’ll help cover your costs, up to $50,000.
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.
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.
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.
If your employees or salespersons are using materials for a demonstration, your coverage limit is $5,000, with a $250 deductible.
Coverage for your work vehicle or an entire fleet.
Additional coverage when you need to go above and beyond your regular policy.
Protect yourself and your staff if there's an injury or disability on the job.
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.
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
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
The information on this page is made available for educational purposes only. The information referred to is not an official company statement, corporate policy, or offer of coverage. Refer to your insurance policy for specific coverage. There is no representation as to the accuracy or completeness of any information found by following any link on this site. Please contact your local independent insurance agent with further questions and for more details on any insurance policy-related information you read here.
Hastings Mutual Insurance Company
404 E. Woodlawn Ave.
Hastings, MI 49058
8:00 a.m. - 4:30 p.m. (EST)