Commercial Growers and Garden Centres

Our Footprint & Appetite: Glasshouse, commercial growers, nurseries, and garden centres.

An image showing the stages of plant growth, starting from a small sprout on the left and gradually progressing to a taller, more developed plant on the right.

Why choose Everywhen?

Everywhen are the appointed insurance broker to the Horticultural Trades Association who support UK garden businesses. This includes, garden retailers, as well as growers, manufacturers and landscapers.

This long-standing partnership with the Industry Association means that your clients and prospects will be assured of a recognised insurance partner. This is supported by the expertise of the All Seasons Team who have a combined 25 years of experience in underwriting horticultural risks. In addition, we have account executives that are available to visit clients across the country.

The standard cover

  • Damage to crops due to a rise or fall in temperature or other adverse change to a controlled environment

  • Damage to combined heat and power (CHP) units

  • Environmental liability cover (clean-up costs)

  • Glass cover including weight of snow on glasshouses

  • Loss of revenue including failure of utilities

  • Cover for polytunnels (subject to survey)

  • A Pre-inspection survey service

  • Glasshouse valuations

  • Access to an approved glasshouse repairer should you ever need one

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Additional products

  • Towergate Assist Post Loss Recovery

  • Cyber & Data Cover

  • Management Liability Protection

Discussion at office meeting

Our cover and service USPs

Full cover on glasshouse structures

Including storm and weight of snow.

Full BI gross revenue cover

Protecting the full value of the client's crops.

25% seasonal increase 6 weeks prior to and post any bank holiday

This effectively covers 75% of the year and the majority of the busiest garden centre periods.

Target stock

Up to £7,500 worth per location.

Deterioration of stock

Cover up to £5,000 as standard.

Loss of rent cover

£50,000 loss of rent cover as standard over 24 months.

Liability cover

That can accommodate from play areas to ice rinks.

Full Environmental Impairment cover

Limit of indemnity up to £1,000,000.

Ready to get started?