Nurseries & Greenhouse Insurance
Professional Insurors offers the most comprehensive Insurance & Risk Management programs in the Industry. Whether you just work in Oklahoma or travel to other states to perform your services we have the ability to protect your company. Our Nurseries & Greenhouse Insurance Program features a dedicated claims and risk management team so you can be confident that your claims are being supervised by an in-house claims coordinator and your risk management needs are met by our experienced knowledgeable staff. We can insure the Nursery or Greenhouse Grower whether it's a wholesale or retail operation in Oklahoma or Nationwide. Not all coverages are available to all Nurseries and are subject to underwriter approval.
General Liability Insurance
General Liability consists of coverages which protect an insured against third party claims for property damages or bodily injury.
Highlights
Per Location Aggregate (new limits per location)
No Charge for Additional Insured
No Charge for Waiver of Subrogation
Broad Definitions of who is Insured
Broad Definition of Territory
Workers Compensation
Workers Compensation covers injuries to your Employees while in the course of Employment.
Highlights
Multi-State coverage
Hazardous industries coverage available
Blanket Waiver of Subrogation
Pay as you go solutions available
Meets all state guidelines
Commercial Automobile (Fleet)
Commercial Auto Liability and physical damage protects your vehicles from physical damage and protects you from claims from third parties caused by bodily injury or property damage.
Highlights
Blanket Additional Insured
Named Coverage for Owners of Company
Broad Coverage Territory
Hired/Non-Owned Automobile
Automatic coverage for Large Fleets (no reporting required)
Commercial Umbrella/Excess Liability
Commercial Umbrella/Excess Liability is a coverage that extends the limits of your underlying covered policies like General Liability, Workers Compensation, and Commercial Automobile to a higher limit than is available with the underlying policy limits.
Highlights
High Limits Available (min $1,000,000 up to $100,000,000)
Following Form or Full Umbrella based on risk and size
Blanket Additional Insured
Equipment Coverage
Equipment Coverage, often called "inland marine" covers your equipment physical damage including collision, theft, and many other perils. The liability for this equipment is usually covered under your General Liability policy.
Highlights
Coverage area is very broad
Multiple deductible options
Replacement Cost for Newer Equipment
Installation Floater Coverage
Installation floaters designed for trade contractors insure their property risk in the building while under construction.
Highlights
Blanket or Per Project Basis policies
Very Competitive rates
Owners interest coverage available
Testing Coverage Available
Multiple deductible options
Special Coverages
Field Grown & Nursery Stock
Greenhouses
Pumps
Mobile Equipment
Injury to people or property caused by your product
Equipment Breakdown for Boilers, Equipment or Generators (tailored to your other policies)
Crop Spoilage due to power or equipment failure
Other Coverages
Employment Practices Liability
Crime including employee dishonesty
Equipment Breakdown
Health & Benefits
Flood
Directors & Officers Liability
Errors & Omissions
Contact Sean Leigh if you have any questions.