Tel: 01202 754 900

Specialist small business insurance brokers covering the whole of the UK

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Horticultural Insurance

Here at Alan & Thomas, we have a team of dedicated advisers who deal exclusively with the horticultural, agricultural and rural sector so know the specific needs of horticultural businesses when it comes to horticultural insurance. We are currently working with a large number of garden centres, nurseries, farms, estates and rural businesses in Southern England.

Rather than opting for a standard business insurance policy, our advisers will talk you through the horticultural insurance cover that you need to have in place to give you peace of mind that should the worst happen you’ll be properly covered. As well as the standard agricultural insurance such as buildings and contents cover, public, products and employer liability cover, we can also advise on specific policy options for garden centres such as cover for any glass houses or polytunnels you may have. If you run a retail operation, we can ensure your stock is properly covered, in particular, if you have any seasonal stock increases. We can tailor the insurance cover to your specific requirements so you’re only paying for cover that’s relevant to you.

Our client, Orchard Park Garden Centre in Gillingham, Dorset, would happily recommend us:
“Alan & Thomas have been our insurance brokers for over 3 years now. They visit our premises regularly and have carried out a full and thorough review of our cover. They are always on hand throughout the year should we have any queries or need advice. I’m pleased to say they managed to achieve a good premium saving when we moved to them and premiums have remained competitive and the level of cover has improved. I can’t fault their response to claims we have made and I would recommend other garden centres to contact Alan & Thomas as they are good people to deal with and know the needs of our industry”, Richard Cumming, MD

Our team of experienced insurance advisers combine expert industry knowledge with the very highest levels of customer service which means you can trust us to provide you with the right insurance cover for your business at competitive prices. Our advisers provide a free no obligation review and quote to see if we can better your current deal.

Benefits of our Horticultural Insurance include:

  • Bespoke levels of buildings and contents cover
  • Underwritten by carefully selected panel of the UK's leading insurers
  • Dedicated horticultural insurance specialist to guide you through the process
  • Stock in Trade including seasonal stock increases
  • Business Interruption - covers loss of profits arising from events such as fire & flood
  • Public Liability – standard £2m with the option of £5m
  • Employers' Liability - £10m included as standard
  • Money cover - up to £5,000
  • All Risks on specified equipment - cover for specified items for loss or damage away from your business premises
  • Legal Expenses - covers solicitors' fees and expenses, the cost of barristers and witnesses, court costs and opponents' costs if awarded against you
  • Payment of premium by monthly instalment available (subject to status)
  • Free access to online risk management services

What next?

For an informal discussion and a free quotation for your horticultural insurance, please call us on 01202754900 or complete the quote request form on this page and we will contact you.


About Alan & Thomas

Firmly established as one of the top 100 independent insurance brokers in the UK, we have been providing personalised insurance policies since 1975. Using a network of 37 independent brokers known as Brokerbility, our expert team can offer a local and personal service across the whole of the UK.

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Chartered Insurance Brokers

Chartered Insurance Brokers

Having been awarded the highly regarded title of "Chartered Insurance Broker" by the Chartered Insurance Institute (CII) back in 2007, we are currently the only independent broker in Dorset to have achieved this status.

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Discuss your needs with one of our team today:

01202 754 900

9am - 5.15pm Monday to Friday

Existing Client?

Welcome back! Need to renew your policy, make a claim, make an adjustment to your policy or you simply need more advice? Our team will be pleased to help you.

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Insurance not yet due?

Submit your renewal date & we’ll contact you.

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Why choose Alan & Thomas?
  • Top 100 UK independent broker* with Chartered Insurance Broker status
  • Free no obligation review and quotation
  • Talk to a dedicated insurance expert to guide you through the process
  • Bespoke levels of cover tailored to your individual requirements
  • Competitive premiums underwritten by the UK's leading insurers
  • Dedicated in-house claims team who will deal with any claim on your behalf
  • Payment of premium by monthly instalment available (subject to status)
  • Free access to online risk management services

* Top 100 Independent Brokers 2013 published by Insurance Age in association with Cornell Consulting

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