Garden Centres
Insurance
Start onto the FAST Path to indoor growers and garden centres insurance today
We start with the basics
Our experts cover your buildings/contents (ie. crops) damaged by theft, fire, vandalism, collapse and water. Your greenhouses and additional structures will also be protected from hail and wind damage.
If you were to experience loss of income and additional expenses while keeping your business in British Columbia going after an insured loss, Western Coast has you covered.
Third-party liability coverage covers you and your business if anyone were to ever get hurt on your property and you were found legally liable.
Risk Control Services
As part of the Indoor Growers and Garden Centres Program we offer our Risk Control services in the way of Loss Control Inspections. This value-added service is provided free for customers.
Every business is different with unique challenges and risks. We tailor our inspections to each individual business. Despite best efforts to mitigate risk, there are often things that go overlooked. However, our loss control inspectors are trained to identify these.
We work side by side with our customers to help find solutions to reduce exposure.
Did you know?
Your crops and plants are your business. Speak to your insurance advisor today about the options available to you for what it is you wish to grow.
We offer insurance solutions for contractors and their equipment (exclusively used indoors).
Our experts can build you the right policy; that includes any additional structures you have alongside your growing operation. We’re talking about warehouses, cafes, event venues, residences etc.
If an insured loss were to occur, we’re a one-stop shop with our excellent in-house claims team.
Keep your advisor up to date
We want you to always have the right coverage for your business. We’ll need to know the structure age, any updates to electrical systems, its roof, plumbing or heating and what material it’s made from etc.
Start onto the FAST Path to indoor growers and garden centres insurance today
Western Coast Insurance Services Loss Control Inspections
Accompanied by the customer, our inspectors take notes and photographs of the exterior/interior construction details while touring the facility. Heating, plumbing, electrical and mechanical systems get a detailed examination in addition to any possible hazards.
Thermal imaging on electrical and mechanical systems is included in Western Coast’s inspections. Infrared thermography plays a crucial role in the inspection process as it allows us the ability to prevent future losses.
You need enough to cover the cost to rebuild your entire house in the event it is completely destroyed in an insured loss. Your home should be insured to 100 per cent of its replacement value.
Once information has been gathered a detailed recommendation letter is constructed and discussed with the customer. This is to help customers be informed when developing their action plans.
Regardless of a greenhouse, nursery or garden centre, Western Coast’s Risk Control service is here for you.
As a result of COVID-19 our onsite inspections are currently limited.
Western Coast Insurance Services Ltd. is a wholly-owned division of Western Financial Group Ltd. Insurance products are underwritten by certain licensed insurance companies and are only available throughout British Columbia, Canada.