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 are growing. Here are a few tips for planning perfect.
Most vegetables and flowers need about six hours of full sun every day. Also make sure there’s a source of water nearby. Mix material like compost or dry grass clippings into the soil to give it a healthy boost. Our part of the country is in the USDA Plant Hardiness Zones 4, 5, and 6. Knowing your zone will help you identify the best plants for your climate, soil quality, and sunlight. Some plants can be grown from seeds. You might buy others as young transplants that are already growing.
Experienced gardeners can try growing their own transplants or saving seeds for next year’s garden. Building a small greenhouse or cold frames over plants can extend the growing season past warm summer months.
If you’re planning a bigger project, like installing an irrigation system, you could hire a landscape gardener. Make sure he or she has reliable insurance, like contractors’ coverage from Hastings Mutual.
What is your best technique for spring planting? Let us know in the comments!