Coverage Solutions
Insurance Services
Comprehensive coverage for hydroponic farms, vertical growing operations, and indoor agriculture businesses. Every policy tailored to your specific operation.
Crop Insurance / Inland Marine
Crop insurance for hydroponic operations covers the value of your crops in the ground and harvested inventory against perils including equipment failure, power outage, and accidental damage.
- Growing crop loss
- Harvested inventory
- Power failure crop loss
- Equipment failure-related crop damage
Commercial Property Insurance
Commercial property insurance protects your physical operation — the building, greenhouse structure, shelving and benches, HVAC, lighting systems, and all fixed equipment against fire, theft, vandalism, and covered weather events.
- Building/greenhouse structure
- Business personal property (BPP)
- Tenant improvements
- Equipment and fixtures
Equipment Breakdown Insurance
Equipment breakdown insurance covers the cost to repair or replace critical growing equipment — grow lights, HVAC systems, water pumps, nutrient dosing systems, and environmental controllers — when they fail mechanically or electrically.
- HVAC system failure
- Pump and motor breakdown
- LED lighting system failure
- Environmental controller failure
General Liability Insurance
General liability insurance covers third-party bodily injury and property damage claims at your hydroponic facility — customer visits, vendor deliveries, farm tours, and retail sales operations.
- Bodily injury
- Property damage
- Products liability (food safety)
- Completed operations
Business Interruption Insurance
Business interruption insurance covers lost revenue and ongoing fixed expenses when a covered loss — fire, flood, major equipment failure — forces your hydroponic operation to pause or shut down.
- Lost net income
- Continuing fixed expenses
- Extra expense coverage
- Extended period of indemnity
Workers Compensation Insurance
Workers comp is required from your first employee and covers medical bills and lost wages for workers injured at your hydroponic facility — slip-and-fall on wet floors, chemical exposure, repetitive strain, and equipment-related injuries.
- Medical expense coverage
- Lost wage replacement
- Permanent disability
- Chemical exposure claims
Commercial Umbrella Insurance
Commercial umbrella insurance provides additional liability limits above your primary GL and employer liability policies. Required by many food distributors and grocery chain contracts.
- Excess GL limits
- Excess employer liability
- Broad form coverage
- Defense costs
Ready to Protect Your Harvest?
Get a customized quote for your hydroponic operation today. Same-day response from specialists who understand indoor agriculture.
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