During the Covid-19 crisis, we are following UK Government guidance to keep our employees safe and look after our valued clients. Read our articles on support for your business.

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Garden Centre Insurance

Garden Centre Insurance

Towergate Allseasons* is recognised by the Horticultural Trades Association as the preferred insurance scheme provider for many of the UK's major garden centres.  

For garden centre owners and operators, our flexible business package provides the Property and Liability covers you need, together with additional protection tailored to your sector.

No two garden centres are the same. From small nurseries with direct sales to large retail operations with substantial café facilities and concessionaires, every business is unique, so we ensure that your Garden Centre Insurance policy provides the right cover for you.



Key features

Sometimes there are unforeseen and unexpected events that can disrupt your business. Our Garden Centre Insurance scheme protects businesses just like yours and offers a wide range of optional benefits. These include:

  • Extensive cover for stock in the open, including theft
  • Glass cover, including the weight of snow on glasshouses
  • Automatic seasonal stock increase of 25%
  • 25% seasonal increase on money cover (if selected)
  • Cover for target stock with the first £7,500 per site included free of charge
  • Deterioration of refrigerated/frozen stock with the first £750 included free of charge
  • Free legal expenses cover with a limit of indemnity of £50,000                                                             
  • 24month indemnity period for business interruption given as standard with additional increased cost of working at £50,000 and £25,000 loss of rent included free of charge
  • Cover for environmental statutory clean-up costs (Subject to approval of completed questionnaire).


*Towergate Allseasons is a trading name of Towergate Underwriting Group Limited.