🌻 Gardens

Garden & Community Garden Insurance

Insurance for botanical gardens, community gardens, and garden clubs across Arizona. Protect your gardeners, visitors, property, and events.

Fast quotes — often within 24 hours
🏆A-rated carriers only
📋Same-day certificates

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Protect your organization — fill out the form below.

No obligation. Protect your mission.

Unique Risks We Address

Every gardens faces specific risks. We make sure you're covered.

Visitor slip & falls
Tool & equipment injuries
Pesticide/herbicide liability
Bee sting & insect injuries
Water feature hazards
Falling branch incidents
Event liability
Produce safety claims
Coverage Options

Recommended Coverage

Tailored insurance products for gardens operations.

🛡️

General Liability

Protects against bodily injury and property damage claims from your operations, premises, and programs.

  • Premises liability
  • Operations coverage
  • Personal & advertising injury
  • Medical payments
🏢

Property & Contents

Covers your building, furnishings, equipment, and inventory against fire, theft, vandalism, and natural disasters.

  • Building coverage
  • Contents & equipment
  • Business interruption
  • Valuable papers
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Directors & Officers (D&O)

Shields board members, officers, and volunteers from personal liability for organizational decisions.

  • Wrongful acts defense
  • Employment claims
  • Breach of duty
  • Regulatory actions
⚙️

Workers' Compensation

Required coverage for employees injured on the job — covering medical expenses, lost wages, and rehabilitation.

  • Medical expenses
  • Lost wages
  • Rehabilitation
  • Employer liability
📋

Professional Liability (E&O)

Coverage for claims of negligence, errors, or omissions in the professional services your organization provides.

  • Service delivery errors
  • Advice & counsel claims
  • Program failures
  • Referral liability
🚗

Commercial Auto

Covers vehicles owned, leased, or used by your organization for transporting clients, supplies, or staff.

  • Owned vehicles
  • Hired & non-owned auto
  • Client transport
  • Volunteer drivers

Serving All of Arizona

📍 Phoenix 📍 Tucson 📍 Mesa 📍 Chandler 📍 Scottsdale 📍 Glendale 📍 Gilbert 📍 Tempe 📍 Peoria 📍 Surprise 📍 Yuma 📍 Flagstaff

Frequently Asked

Does GL cover injuries from gardening activities?
Yes. GL covers bodily injury during activities — tool injuries, trips and falls, insect stings, and allergic reactions from plants.
Are community garden plots covered?
Your GL covers common areas and organized programming. Individual plot holders garden at their own risk. Consider participant waivers.
What about pesticide or herbicide claims?
GL covers third-party claims from chemical applications. For larger operations, consider Pollution Liability for broader environmental coverage.
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