{"id":19863,"date":"2025-05-10T12:21:14","date_gmt":"2025-05-10T16:21:14","guid":{"rendered":"https:\/\/www.assur360.ca\/business-insurance-3-minute-quote\/garden-centre-insurance-get-your-quote-in-less-than-3-minutes\/"},"modified":"2026-07-02T20:45:56","modified_gmt":"2026-07-03T00:45:56","slug":"garden-centre-insurance-get-your-quote-in-less-than-3-minutes","status":"publish","type":"page","link":"https:\/\/www.assur360.ca\/en\/business-insurance-3-minute-quote\/garden-centre-insurance-get-your-quote-in-less-than-3-minutes\/","title":{"rendered":"Garden centre insurance: Get your quote in less than 3 minutes"},"content":{"rendered":"\n<style>#ez-toc-container{display:none!important}<\/style>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d 0%,#1a3a4a 100%);padding:60px 24px;text-align:center;border-radius:0 0 16px 16px;margin-bottom:40px;\">\n  <p style=\"color:#10c4c7;font-size:14px;font-weight:700;letter-spacing:3px;text-transform:uppercase;margin:0 0 16px;\">QUICK QUOTE<\/p>\n  <h2 style=\"color:#ffffff;font-size:32px;font-weight:800;margin:0 0 20px;line-height:1.3;\"><span class=\"ez-toc-section\" id=\"Appropriate-insurance-for-a-much-needed-garden-center\"><\/span>Appropriate insurance for a much-needed garden center.<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <p style=\"color:#94a3b8;font-size:16px;margin:0 auto 32px;max-width:700px;line-height:1.6;\">Garden centres face unique risks: damage to greenhouses, theft of products, seasonal variations&#8230; Specialized coverage makes it possible to secure the activity all year round. Brokers offer you targeted quotes tailored to your needs. <\/p>\n  <div style=\"display:flex;gap:16px;justify-content:center;flex-wrap:wrap;\">\n    <a href=\"https:\/\/www.assur360.ca\/en\/online-business-insurance-quote\/\" style=\"display:inline-block;background:#10c4c7;color:#ffffff;padding:14px 32px;border-radius:8px;text-decoration:none;font-weight:700;font-size:16px;\">Get my free<\/a>\n quote<a href=\"tel:+18663574451\" style=\"display:inline-block;background:transparent;color:#ffffff;padding:14px 32px;border-radius:8px;text-decoration:none;font-weight:700;font-size:16px;border:2px solid #ffffff;\">1-866-357-4451<\/a>    \n  <\/div>\n<\/div>\n\n<div style=\"display:flex;align-items:center;gap:40px;margin:24px 0 40px;flex-wrap:wrap;\">\n  <div style=\"flex:1 1 42%;min-width:280px;\">\n    <img decoding=\"async\" src=\"https:\/\/spcdn.shortpixel.ai\/spio\/ret_img,q_cdnize,to_auto,s_webp:avif\/www.assur360.ca\/wp-content\/uploads\/2025\/05\/Assurance-Centre-de-jardinage-.png\" alt=\"Two smiling gardeners with aprons.\" style=\"width:100%;height:auto;border-radius:12px;display:block;\" loading=\"lazy\"\/>\n  <\/div>\n  <div style=\"flex:1 1 52%;min-width:280px;\">\n    <h3 class=\"wp-block-heading\" style=\"color:#0d1f2d;font-family:'Sora',sans-serif;font-size:24px;font-weight:800;line-height:1.25;margin:0 0 14px;\">Why take out specialized insurance for a garden center?<\/h3>\n    \n  <\/div>\n<\/div>\n\n<ul class=\"wp-block-list\">\n<li>Increased risk of <strong>damage to structures such as greenhouses or tunnels<\/strong>.<\/li>\n\n\n\n<li><strong>Theft of horticultural products<\/strong> or equipment during busy periods.<\/li>\n\n\n\n<li><strong>Significant liability<\/strong> in the event of a customer accident on site.<\/li>\n\n\n\n<li><strong>Fire or glass breakage<\/strong> in glass buildings.<\/li>\n\n\n\n<li>This activity is subject to <strong>seasonal variations<\/strong>, so there is a need for flexibility.<\/li>\n<\/ul>\n\n<div style=\"height:50px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h3 class=\"wp-block-heading\">Essential guarantees for garden centres<\/h3>\n\n<figure class=\"wp-block-table\"><table class=\"has-ast-global-color-0-background-color has-background has-fixed-layout\"><thead><tr><th><strong>Recommended Warranty<\/strong><\/th><th><strong>Description<\/strong><\/th><\/tr><\/thead><tbody><tr><td>Glass breakage and glass<\/td><td>Covers greenhouses, storefronts and buildings with fragile structures.<\/td><\/tr><tr><td>Civil liability<\/td><td>Protects in the event of bodily injury or property damage caused to a third party.<\/td><\/tr><tr><td>Business interruption<\/td><td>Compensation in the event of a loss in sales.<\/td><\/tr><tr><td>Theft and vandalism<\/td><td>Covers theft of equipment, tools or plant stocks.<\/td><\/tr><tr><td>Water damage<\/td><td>Insurance in case of flooding, leakage or irrigation problems.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n<div style=\"height:50px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h3 class=\"wp-block-heading\">Why use an insurance comparison tool for a garden centre?<\/h3>\n\n<ul class=\"wp-block-list\">\n<li>Quickly get <strong>multiple targeted quotes<\/strong>.<\/li>\n\n\n\n<li>Compare <strong>prices, warranties and deductibles<\/strong> in just a few clicks.<\/li>\n\n\n\n<li>Avoid paying for <strong>unnecessary coverage<\/strong>.<\/li>\n\n\n\n<li>Make sure you&#8217;re covered <strong>all year round<\/strong>, even out of season.<\/li>\n\n\n\n<li>Benefit from the advice of <strong>brokers specializing in the horticultural sector<\/strong>.<\/li>\n<\/ul>\n\n<div style=\"height:50px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Property-and-casualty-insurers-specialising-in-horticulture-and-garden-centres\"><\/span>Property and casualty insurers specialising in horticulture and garden centres<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<figure class=\"wp-block-table\"><table class=\"has-ast-global-color-0-background-color has-background has-fixed-layout\"><thead><tr><th><strong>Insurer Partner<\/strong><\/th><th><strong>Industry-specific offerings<\/strong><\/th><th><strong>Estimated \ud83d\udcb2 price<\/strong><\/th><th><strong>Satisfaction \u2b50<\/strong><\/th><\/tr><\/thead><tbody><tr><td>Intact Insurance<\/td><td>Greenhouse covers, customers, tools and business interruption<\/td><td>$$<\/td><td>\u2b50\u2b50\u2b50\u2b50\u2606<\/td><\/tr><tr><td>Promutuel<\/td><td>Advantageous pricing for small regional centres<\/td><td>$<\/td><td>\u2b50\u2b50\u2b50\u2b50<\/td><\/tr><tr><td>The Unique<\/td><td>Modules adaptable according to the seasons and the type of crop<\/td><td>$$<\/td><td>\u2b50\u2b50\u2b50\u2b50\u2606<\/td><\/tr><tr><td>Beneva<\/td><td>Climate protection and natural damage included<\/td><td>$$<\/td><td>\u2b50\u2b50\u2b50\u2b50<\/td><\/tr><tr><td>The Capital<\/td><td>Complete offer for garden centres with online shop<\/td><td>$$$<\/td><td>\u2b50\u2b50\u2b50\u2b50\u2b50<\/td><\/tr><\/tbody><\/table><\/figure>\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<div class=\"wp-block-wpseopress-faq-block-v2 is-layout-flow wp-block-wpseopress-faq-block-v2-is-layout-flow\">\n<details id=\"puis-je-ajuster-ma-couverture-selon-les-saisons\" class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary>Puis-je ajuster ma couverture selon les saisons ?<br \/><\/summary>\n<p class=\"wp-block-paragraph\">Yes, some policies allow you to adjust coverage based on periods of activity.<\/p>\n\n\n<div style=\"display:flex;align-items:center;gap:40px;margin:40px 0 56px;background:linear-gradient(145deg,#f8fafc,#f0f9ff);border-radius:20px;padding:40px;border:1px solid #e2e8f0;flex-wrap:wrap;\">\n  <img decoding=\"async\" fetchpriority=\"low\" src=\"https:\/\/spcdn.shortpixel.ai\/spio\/ret_img,q_cdnize,to_auto,s_webp:avif\/www.assur360.ca\/wp-content\/uploads\/2026\/04\/centre-jardinage-1.jpg\" alt=\"Garden centre \u2014 Assur360 insurance\" style=\"width:45%;max-width:420px;border-radius:16px;flex-shrink:0;height:auto;\" loading=\"lazy\"\/>\n  <div style=\"flex:1;min-width:280px;\">\n    <p style=\"color:#10c4c7;font-size:13px;font-weight:700;letter-spacing:2px;text-transform:uppercase;margin:0 0 12px;\">IN BRIEF<\/p>\n    <h2 class=\"wp-block-heading\" style=\"color:#0d1f2d;font-size:26px;font-weight:800;margin:0 0 16px;line-height:1.3;font-family:'Sora',sans-serif;\"><span class=\"ez-toc-section\" id=\"Garden-Center-Insurance\"><\/span>Garden Center Insurance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n    <p style=\"color:#475569;font-size:16px;line-height:1.7;margin:0 0 12px;\">Garden centres combine <strong>retail + greenhouses + machinery + living inventory<\/strong> (plants). The coverage must provide for plant frost (heating failure), diseases\/pests, and product liability (fertilizers, pesticides). <\/p>\n    <p style=\"color:#475569;font-size:15px;line-height:1.7;margin:0;\"><strong>Seasonality:<\/strong> Your inventory ranges from <strong>$50,000 in January to $500,000 in May<\/strong>. Talk to your broker about a <em>variable seasonal limit<\/em> to avoid paying year-round for the spring peak. <\/p>\n  <\/div>\n<\/div>\n\n<\/details>\n\n\n\n<details id=\"et-si-je-vends-aussi-en-ligne-suis-je-protege\" class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary>Et si je vends aussi en ligne, suis-je prot\u00e9g\u00e9 ?<br \/><\/summary>\n<p class=\"wp-block-paragraph\">Yes, some insurance policies include distance or online selling in their coverage.<\/p>\n<\/details>\n<details style=\"border:1px solid #e2e8f0;border-radius:8px;margin:0 0 12px;background:#fff;\">\n<summary style=\"cursor:pointer;padding:16px 20px;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">What are the main coverages in garden centre insurance insurance?<\/summary>\n<div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">A typical garden centre insurance insurance policy in Quebec includes: <strong>general civil liability<\/strong> (damage to third parties), <strong>commercial property<\/strong> (building, equipment, stock), <strong>equipment breakdown<\/strong>, <strong>business interruption<\/strong> (income loss after a claim), and depending on the sector, <strong>professional liability<\/strong> or <strong>cyber-risks<\/strong>. Exact coverage varies by insurer and profile \u2014 your partner broker tailors the policy to your operations.<\/div>\n<\/details>\n<details style=\"border:1px solid #e2e8f0;border-radius:8px;margin:0 0 12px;background:#fff;\">\n<summary style=\"cursor:pointer;padding:16px 20px;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">What exclusions should I check before signing?<\/summary>\n<div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">The most common exclusions in business insurance: <strong>intentional acts<\/strong>, <strong>normal wear and tear<\/strong>, <strong>claims occurring before the policy period<\/strong>, <strong>certain catastrophic risks<\/strong> (flood, earthquake \u2014 often optional), <strong>mobile equipment off-site<\/strong>, and <strong>undeclared activities<\/strong>. Always <strong>read the exclusion clauses<\/strong> and declare all your operations to avoid claim denial.<\/div>\n<\/details>\n<details style=\"border:1px solid #e2e8f0;border-radius:8px;margin:0 0 12px;background:#fff;\">\n<summary style=\"cursor:pointer;padding:16px 20px;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Can I bundle my garden centre insurance insurance with auto or home?<\/summary>\n<div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Yes. Most of our <strong>AMF-certified partner brokerage firms<\/strong> offer <strong>multi-product bundling<\/strong>. Combining business insurance with auto or home can generate a discount of <strong>10 to 15%<\/strong> on total premiums, plus simplified management (one point of contact, one renewal date). At Assur360, the quote systematically evaluates the bundled option.<\/div>\n<\/details>\n<details style=\"border:1px solid #e2e8f0;border-radius:8px;margin:0 0 12px;background:#fff;\">\n<summary style=\"cursor:pointer;padding:16px 20px;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">How does professional liability (E&#038;O) insurance work?<\/summary>\n<div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\"><strong>Professional liability (E&#038;O)<\/strong> covers <strong>errors, omissions or negligence<\/strong> committed in the course of your profession, plus <strong>legal defence costs<\/strong>. It differs from general liability (which covers bodily or property damage to third parties). Depending on your sector, E&#038;O can be <strong>strongly recommended<\/strong> or <strong>required by contract<\/strong> (e.g. by clients or professional associations).<\/div>\n<\/details>\n<details style=\"border:1px solid #e2e8f0;border-radius:8px;margin:0 0 12px;background:#fff;\">\n<summary style=\"cursor:pointer;padding:16px 20px;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">How long does a garden centre insurance quote via Assur360 take?<\/summary>\n<div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">The online form takes <strong>3 minutes to fill out<\/strong>. You&#8217;ll then receive a call or email from an <strong>AMF-certified partner brokerage firm<\/strong> (member of the <strong>Chamber of Insurance<\/strong>) within <strong>24 to 48 business hours<\/strong> with a personalized quote for your business. The quote is <strong>free and no obligation<\/strong> \u2014 you&#8217;re free to accept, decline, or negotiate.<\/div>\n<\/details>\n<details style=\"border:1px solid #e2e8f0;border-radius:8px;margin:0 0 12px;background:#fff;\">\n<summary style=\"cursor:pointer;padding:16px 20px;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">How long does a claim take to process?<\/summary>\n<div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Once the claim is filed, your <strong>partner broker<\/strong> opens the file with the insurer within <strong>24 to 48 hours<\/strong>. A claims adjuster is assigned within <strong>2-5 business days<\/strong>. Full settlement depends on complexity: <strong>15 to 30 days<\/strong> for a simple claim (broken glass, minor theft), <strong>2 to 6 months<\/strong> for a major claim (fire, significant water damage). You&#8217;re supported at every step.<\/div>\n<\/details>\n<script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"url\":\"https:\/\/www.assur360.ca\/assurance-entreprise\/assurance-centre-de-jardinage\/\",\"@id\":\"https:\/\/www.assur360.ca\/assurance-entreprise\/assurance-centre-de-jardinage\/\",\"mainEntity\":[{\"@type\":\"Question\",\"url\":\"https:\/\/www.assur360.ca\/assurance-entreprise\/assurance-centre-de-jardinage\/#puis-je-ajuster-ma-couverture-selon-les-saisons\",\"name\":\"Puis-je ajuster ma couverture selon les saisons ?\\n\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"&lt;p>Oui, certaines polices permettent d\u2019ajuster les protections selon les p\u00e9riodes d\u2019activit\u00e9.&lt;\/p>\"}},{\"@type\":\"Question\",\"url\":\"https:\/\/www.assur360.ca\/assurance-entreprise\/assurance-centre-de-jardinage\/#et-si-je-vends-aussi-en-ligne-suis-je-protege\",\"name\":\"Et si je vends aussi en ligne, suis-je prot\u00e9g\u00e9 ?\\n\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"&lt;p>Oui, certaines assurances incluent la vente \u00e0 distance ou en ligne dans leur couverture.&lt;\/p>\"}}]}<\/script><\/div>\n\n<div style=\"height:50px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h2 class=\"wp-block-heading\" id=\"soumission\"><span class=\"ez-toc-section\" id=\"Request-your-quick-and-free-quote\"><\/span>Request your quick and free quote<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<div class='fluentform ff-default fluentform_wrapper_31 ffs_custom_wrap'><form data-form_id=\"31\" id=\"fluentform_31\" class=\"frm-fluent-form fluent_form_31 ff-el-form-top ff_form_instance_31_1 ff-form-loading ff-form-has-steps ffs_custom\" data-form_instance=\"ff_form_instance_31_1\" method=\"POST\" ><fieldset  style=\"border: none!important;margin: 0!important;padding: 0!important;background-color: transparent!important;box-shadow: none!important;outline: none!important; min-inline-size: 100%;\">\n                    <legend class=\"ff_screen_reader_title\" style=\"display: block; margin: 0!important;padding: 0!important;height: 0!important;text-indent: -999999px;width: 0!important;overflow:hidden;\">Entreprise (#31) @Enzo<\/legend><input type='hidden' name='__fluent_form_embded_post_id' value='19863' \/><input type=\"hidden\" id=\"_fluentform_31_fluentformnonce\" name=\"_fluentform_31_fluentformnonce\" value=\"5ff6f9c44c\" \/><input type=\"hidden\" name=\"_wp_http_referer\" value=\"\/en\/wp-json\/wp\/v2\/pages\/19863\" \/><div class='ff-step-container' data-name=\"step_start-31_5\" data-disable_auto_focus=\"no\" data-enable_auto_slider=\"no\" data-enable_step_data_persistency=\"no\" data-enable_step_page_resume=\"no\" data-animation_type=\"slide\" data-progress_layout=\"top\" data-progress_indicator=\"steps\" ><div class='ff-step-header'><ul class='ff-step-titles'><li class=\"ff_active\"><span class=\"ff-step-title-text\">D\u00e9buter la soumission entreprise<\/span><\/li><li class=\"\"><span class=\"ff-step-title-text\">Adresse<\/span><\/li><li class=\"\"><span class=\"ff-step-title-text\">La soci\u00e9t\u00e9<\/span><\/li><li class=\"\"><span class=\"ff-step-title-text\">\u00c9tape 4<\/span><\/li><li class=\"\"><span class=\"ff-step-title-text\">Soumettre<\/span><\/li><\/ul><\/div><span class='ff_step_start'><\/span><div class='ff-step-body'><div class=\"fluentform-step active\" data-name=\"step_start-31_5\" data-disable_auto_focus=\"no\" data-enable_auto_slider=\"no\" data-enable_step_data_persistency=\"no\" data-enable_step_page_resume=\"no\" data-animation_type=\"slide\" data-progress_layout=\"top\" data-progress_indicator=\"steps\" ><div data-type=\"name-element\" data-name=\"names\" class=\" ff-field_container ff-name-field-wrapper\" ><div class='ff-t-container'><div class='ff-t-cell '><div class='ff-el-group  ff-el-form-top'><div class=\"ff-el-input--label ff-el-is-required asterisk-right\"><label for='ff_31_names_first_name_' id='label_ff_31_names_first_name_' >Pr\u00e9nom<\/label><\/div><div class='ff-el-input--content'><input type=\"text\" name=\"names[first_name]\" id=\"ff_31_names_first_name_\" class=\"ff-el-form-control\" placeholder=\"Pr\u00e9nom\" aria-invalid=\"false\" aria-required=true><\/div><\/div><\/div><div class='ff-t-cell '><div class='ff-el-group  ff-el-form-top'><div class=\"ff-el-input--label ff-el-is-required asterisk-right\"><label for='ff_31_names_last_name_' id='label_ff_31_names_last_name_' >Nom de famille<\/label><\/div><div class='ff-el-input--content'><input type=\"text\" name=\"names[last_name]\" id=\"ff_31_names_last_name_\" class=\"ff-el-form-control\" placeholder=\"Nom de famille\" aria-invalid=\"false\" aria-required=true><\/div><\/div><\/div><\/div><\/div><div class='ff-el-group'><div class=\"ff-el-input--label ff-el-is-required asterisk-right\"><label for='ff_31_input_text' id='label_ff_31_input_text' aria-label=\"Nom de l&#039;entreprise\">Nom de l'entreprise<\/label><\/div><div class='ff-el-input--content'><input type=\"text\" name=\"input_text\" class=\"ff-el-form-control\" data-name=\"input_text\" id=\"ff_31_input_text\"  aria-invalid=\"false\" aria-required=true><\/div><\/div><div class='ff-el-group'><div class=\"ff-el-input--label ff-el-is-required asterisk-right\"><label for='ff_31_dropdown' id='label_ff_31_dropdown' aria-label=\"Secteur d&#039;activit\u00e9\">Secteur d'activit\u00e9<\/label><\/div><div class='ff-el-input--content'><select name=\"dropdown\" id=\"ff_31_dropdown\" class=\"ff-el-form-control\" data-name=\"dropdown\" data-calc_value=\"0\"  aria-invalid=\"false\" aria-required=\"true\" aria-labelledby=\"label_ff_31_dropdown\"><option value=\"\">- S\u00e9lectionner -<\/option><option value=\"Entreprises de services professionnels\"  >Entreprises de services professionnels<\/option><option value=\"Entrepreneurs\"  >Entrepreneurs<\/option><option value=\"Commerce de d\u00e9tail et automobile\"  >Commerce de d\u00e9tail et automobile<\/option><option value=\"Immobilier\"  >Immobilier<\/option><option value=\"Restauration et h\u00f4tellerie\"  >Restauration et h\u00f4tellerie<\/option><option value=\"Services de sant\u00e9\"  >Services de sant\u00e9<\/option><option value=\"Fabrication et transformation\"  >Fabrication et transformation<\/option><option value=\"Grossistes\"  >Grossistes<\/option><option value=\"Entreposage\"  >Entreposage<\/option><option value=\"\u00c9nergie\"  >\u00c9nergie<\/option><option value=\"Autres secteur\"  >Autres secteur<\/option><\/select><\/div><\/div><div class='ff-el-group has-conditions'><div class=\"ff-el-input--label ff-el-is-required asterisk-right\"><label for='ff_31_preciser_secteur' id='label_ff_31_preciser_secteur' aria-label=\"Pr\u00e9cisez votre activit\u00e9\">Pr\u00e9cisez votre activit\u00e9<\/label><\/div><div class='ff-el-input--content'><input type=\"text\" name=\"preciser_secteur\" id=\"ff_31_preciser_secteur\" class=\"ff-el-form-control\" placeholder=\"D\u00e9crivez votre activit\u00e9 (secteur, type de produits\/services, etc.)\" data-name=\"preciser_secteur\"  aria-invalid=\"false\" aria-required=true><\/div><\/div><div class='step-nav ff_step_nav_last'><button style='float: left;'  type='button' data-action='prev' class='ff-btn ff-btn-prev ff-btn-secondary' aria-label='Pr\u00e9c\u00e9dent'>Pr\u00e9c\u00e9dent<\/button><button style='float: right;'  type='button' data-action='next' class='ff-float-right ff-btn ff-btn-next ff-btn-secondary' aria-label='Suivant'>Suivant<\/button><\/div><\/div><div style='display: none;' class=\" fluentform-step\" data-name=\"form_step-31_1\" ><div class=\"ff-name-address-wrapper fluent-address\" data-type=\"address-element\" data-name=\"address_1\" ><div class='ff-el-input--label'><label aria-label=\"Adresse\">Adresse<\/label><\/div><div class='ff-el-input--content'><div class='ff-t-container'><div class='ff-t-cell'><div class='ff-el-group'><div class=\"ff-el-input--label asterisk-right\"><label for='ff_31_address_1_address_line_1_' id='label_ff_31_address_1_address_line_1_' aria-label=\"Adresse ligne 1\">Adresse ligne 1<\/label><\/div><div class='ff-el-input--content'><input type=\"text\" name=\"address_1[address_line_1]\" id=\"ff_31_address_1_address_line_1_\" class=\"ff-el-form-control\" placeholder=\"Adresse ligne 1\" data-key_name=\"address_line_1\"  aria-invalid=\"false\" aria-required=false><\/div><\/div><\/div><div class='ff-t-cell'><div class='ff-el-group'><div class=\"ff-el-input--label asterisk-right\"><label for='ff_31_address_1_city_' id='label_ff_31_address_1_city_' aria-label=\"Ville\">Ville<\/label><\/div><div class='ff-el-input--content'><input type=\"text\" name=\"address_1[city]\" id=\"ff_31_address_1_city_\" class=\"ff-el-form-control\" placeholder=\"Ville\" data-key_name=\"city\"  aria-invalid=\"false\" aria-required=false><\/div><\/div><\/div><\/div><div class='ff-t-container'><div class='ff-t-cell'><div class='ff-el-group'><div class=\"ff-el-input--label asterisk-right\"><label for='ff_31_address_1_state_' id='label_ff_31_address_1_state_' aria-label=\"Province\">Province<\/label><\/div><div class='ff-el-input--content'><input type=\"text\" name=\"address_1[state]\" id=\"ff_31_address_1_state_\" class=\"ff-el-form-control\" placeholder=\"Qu\u00e9bec seulement\" data-key_name=\"state\"  aria-invalid=\"false\" aria-required=false><\/div><\/div><\/div><div class='ff-t-cell'><div class='ff-el-group'><div class=\"ff-el-input--label asterisk-right\"><label for='ff_31_address_1_zip_' id='label_ff_31_address_1_zip_' aria-label=\"Code postal\">Code postal<\/label><\/div><div class='ff-el-input--content'><input type=\"text\" name=\"address_1[zip]\" id=\"ff_31_address_1_zip_\" class=\"ff-el-form-control\" placeholder=\"Code Postal\" data-key_name=\"zip\"  aria-invalid=\"false\" aria-required=false><\/div><\/div><\/div><\/div><\/div><\/div><div class='ff-el-group'><div class=\"ff-el-input--label ff-el-is-required asterisk-right\"><label for='ff_31_phone' id='label_ff_31_phone' aria-label=\"T\u00e9l\u00e9phone\/mobile\">T\u00e9l\u00e9phone\/mobile<\/label><\/div><div class='ff-el-input--content'><input name=\"phone\" class=\"ff-el-form-control ff-el-phone ff_el_with_extended_validation\" value=\"###-###-####\" type=\"tel\" data-name=\"phone\" id=\"ff_31_phone\" inputmode=\"tel\"  aria-invalid='false' aria-required=true><\/div><\/div><div class='step-nav ff_step_nav_last'><button style='float: left;'  type='button' data-action='prev' class='ff-btn ff-btn-prev ff-btn-secondary' aria-label='Pr\u00e9c\u00e9dent'>Pr\u00e9c\u00e9dent<\/button><button style='float: right;'  type='button' data-action='next' class='ff-float-right ff-btn ff-btn-next ff-btn-secondary' aria-label='Suivant'>Suivant<\/button><\/div><\/div><div style='display: none;' class=\" fluentform-step\" data-name=\"form_step-31_2\" ><div class='ff-el-group'><div class=\"ff-el-input--label asterisk-right\"><label for='ff_31_numeric-field' id='label_ff_31_numeric-field' aria-label=\"Ann\u00e9e de cr\u00e9ation de l\u2019entreprise\">Ann\u00e9e de cr\u00e9ation de l\u2019entreprise<\/label><\/div><div class='ff-el-input--content'><input type=\"number\" name=\"numeric-field\" id=\"ff_31_numeric-field\" class=\"ff-el-form-control\" placeholder=\"2023\" data-name=\"numeric-field\" inputmode=\"numeric\" step=\"any\"  aria-invalid=\"false\" aria-required=false><\/div><\/div><div class='ff-el-group'><div class=\"ff-el-input--label ff-el-is-required asterisk-right\"><label for='ff_31_numeric-field_1' id='label_ff_31_numeric-field_1' aria-label=\"Nombre d&#039;ann\u00e9es d\u2019exp\u00e9rience dans le domaine\">Nombre d'ann\u00e9es d\u2019exp\u00e9rience dans le domaine<\/label><\/div><div class='ff-el-input--content'><input type=\"number\" name=\"numeric-field_1\" id=\"ff_31_numeric-field_1\" class=\"ff-el-form-control\" placeholder=\"1\" data-name=\"numeric-field_1\" inputmode=\"numeric\" step=\"any\"  aria-invalid=\"false\" aria-required=true><\/div><\/div><div class='ff-el-group'><div class=\"ff-el-input--label asterisk-right\"><label for='ff_31_datetime' id='label_ff_31_datetime' aria-label=\"Date \u00e9ch\u00e9ance du contrat\">Date \u00e9ch\u00e9ance du contrat <\/label><\/div><div class='ff-el-input--content'><input  aria-label='Date \u00e9ch\u00e9ance du contrat  Use arrow keys to navigate dates. Press enter to select a date.'  aria-haspopup='dialog' data-type-datepicker data-format='d\/m\/Y' type=\"text\" name=\"datetime\" id=\"ff_31_datetime\" class=\"ff-el-form-control ff-el-datepicker\" data-name=\"datetime\"  aria-invalid='false' aria-required=false><\/div><\/div><div class='ff-el-group'><div class=\"ff-el-input--label asterisk-right\"><label for='ff_31_multi_select' id='label_ff_31_multi_select' aria-label=\"Protection requise\">Protection requise<\/label><\/div><div class='ff-el-input--content'><select name=\"multi_select[]\" id=\"ff_31_multi_select\" class=\"ff-el-form-control  ff_has_multi_select\" multiple=\"1\" data-name=\"multi_select\" data-calc_value=\"0\"  aria-invalid=\"false\" aria-required=\"false\" aria-labelledby=\"label_ff_31_multi_select\"><option value=\"B\u00e2timent\"  >B\u00e2timent<\/option><option value=\"Contenu\"  >Contenu<\/option><option value=\"Responsabilit\u00e9 civile\"  >Responsabilit\u00e9 civile<\/option><option value=\"V\u00e9hicule\"  >V\u00e9hicule<\/option><option value=\"Assurance chantier ou\/et Warp up\"  >Assurance chantier ou\/et Warp up<\/option><option value=\"Perte de revenu\"  >Perte de revenu<\/option><option value=\"Cyber-risques\"  >Cyber-risques<\/option><\/select><\/div><\/div><div class='step-nav ff_step_nav_last'><button style='float: left;'  type='button' data-action='prev' class='ff-btn ff-btn-prev ff-btn-secondary' aria-label='Pr\u00e9c\u00e9dent'>Pr\u00e9c\u00e9dent<\/button><button style='float: right;'  type='button' data-action='next' class='ff-float-right ff-btn ff-btn-next ff-btn-secondary' aria-label='Suivant'>Suivant<\/button><\/div><\/div><div style='display: none;' class=\" fluentform-step\" data-name=\"form_step-31_3\" ><div class='ff-el-group'><div class=\"ff-el-input--label asterisk-right\"><label   aria-label=\"Consentez-vous \u00e0 une v\u00e9rification de cr\u00e9dit?\">Consentez-vous \u00e0 une v\u00e9rification de cr\u00e9dit?<\/label><\/div><div class='ff-el-input--content'><div class='ff-el-form-check ff-el-form-check-'><label class='ff-el-form-check-label' for='input_radio_7f8b97bf4753da109db03f30ed72416e'><input  type=\"radio\" name=\"input_radio\" data-name=\"input_radio\" class=\"ff-el-form-check-input ff-el-form-check-radio\" value=\"Oui\"  id='input_radio_7f8b97bf4753da109db03f30ed72416e' aria-label='Oui' aria-invalid='false' aria-required=false> <span>Oui<\/span><\/label><\/div><div class='ff-el-form-check ff-el-form-check-'><label class='ff-el-form-check-label' for='input_radio_edf53d6f52cc390853b0feb6b043e19c'><input  type=\"radio\" name=\"input_radio\" data-name=\"input_radio\" class=\"ff-el-form-check-input ff-el-form-check-radio\" value=\"Non\"  id='input_radio_edf53d6f52cc390853b0feb6b043e19c' aria-label='Non' aria-invalid='false' aria-required=false> <span>Non<\/span><\/label><\/div><\/div><\/div><div class='ff-el-group'><div class=\"ff-el-input--label asterisk-right\"><label for='ff_31_numeric-field_2' id='label_ff_31_numeric-field_2' aria-label=\"Recettes totales annuel (revenus)\">Recettes totales annuel (revenus)<\/label><\/div><div class='ff-el-input--content'><input type=\"number\" name=\"numeric-field_2\" id=\"ff_31_numeric-field_2\" class=\"ff-el-form-control\" placeholder=\"$\" data-name=\"numeric-field_2\" inputmode=\"numeric\" step=\"any\"  aria-invalid=\"false\" aria-required=false><\/div><\/div><div class='ff-el-group'><div class=\"ff-el-input--label asterisk-right\"><label for='ff_31_input_text_1' id='label_ff_31_input_text_1' aria-label=\"Assureur actuel ou ant\u00e9rieur\">Assureur actuel ou ant\u00e9rieur<\/label><\/div><div class='ff-el-input--content'><input type=\"text\" name=\"input_text_1\" class=\"ff-el-form-control\" data-name=\"input_text_1\" id=\"ff_31_input_text_1\"  aria-invalid=\"false\" aria-required=false><\/div><\/div><div class='step-nav ff_step_nav_last'><button style='float: left;'  type='button' data-action='prev' class='ff-btn ff-btn-prev ff-btn-secondary' aria-label='Pr\u00e9c\u00e9dent'>Pr\u00e9c\u00e9dent<\/button><button style='float: right;'  type='button' data-action='next' class='ff-float-right ff-btn ff-btn-next ff-btn-secondary' aria-label='Suivant'>Suivant<\/button><\/div><\/div><div style='display: none;' class=\" fluentform-step\" data-name=\"form_step-31_4\" ><div class='ff-el-group'><div class=\"ff-el-input--label ff-el-is-required asterisk-right\"><label for='ff_31_email' id='label_ff_31_email' aria-label=\"Courriel\">Courriel<\/label><\/div><div class='ff-el-input--content'><input type=\"email\" name=\"email\" id=\"ff_31_email\" class=\"ff-el-form-control\" placeholder=\"Email\" data-name=\"email\"  aria-invalid=\"false\" aria-required=true><\/div><\/div><div class='ff-el-group'><div class=\"ff-el-input--label ff-el-is-required asterisk-right\"><label   aria-label=\"Les informations recueillies \u00e0 cette section nous permettent entre autres d\u2019effectuer une pr\u00e9qualification concernant vos besoins en assurance et potentiellement vous proposer une soumission d\u2019assurance. Les informations fournies sont conserv\u00e9es de fa\u00e7on \u00e0 r\u00e9pondre aux exigences l\u00e9gislatives et r\u00e8glementaires. Par ailleurs, en remplissant le formulaire, vous consentez \u00e0 ce que nous utilisions, communiquions ou partagions \u00e0 l\u2019interne et \u00e0 l\u2019externe (notamment \u00e0 des cabinets partenaires et\/ou assureurs) et que nous conservions ces informations.\">Les informations recueillies \u00e0 cette section nous permettent entre autres d\u2019effectuer une pr\u00e9qualification concernant vos besoins en assurance et potentiellement vous proposer une soumission d\u2019assurance. Les informations fournies sont conserv\u00e9es de fa\u00e7on \u00e0 r\u00e9pondre aux exigences l\u00e9gislatives et r\u00e8glementaires. Par ailleurs, en remplissant le formulaire, vous consentez \u00e0 ce que nous utilisions, communiquions ou partagions \u00e0 l\u2019interne et \u00e0 l\u2019externe (notamment \u00e0 des cabinets partenaires et\/ou assureurs) et que nous conservions ces informations.<\/label><\/div><div class='ff-el-input--content'><div class='ff-el-form-check ff-el-form-check-'><label class='ff-el-form-check-label' for='checkbox_f52422f9ccfd4a30da13e878da393757'><input  type=\"checkbox\" name=\"checkbox[]\" data-name=\"checkbox\" class=\"ff-el-form-check-input ff-el-form-check-checkbox\" value=\"J&#039;accepte\"  id='checkbox_f52422f9ccfd4a30da13e878da393757' aria-label='J&#039;accepte' aria-invalid='false' aria-required=true> <span>J'accepte<\/span><\/label><\/div><\/div><\/div><div class='ff-el-group ff-el-form-hide_label'><div class=\"ff-el-input--label asterisk-right\"><label   aria-label=\"Je d\u00e9sire m&#039;abonner \u00e0 l&#039;infolettre d&#039;Assur360 pour ses concours, promotions et 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asterisk-right\"><label for='ff_31_description' id='label_ff_31_description' aria-label=\"Informations additionnels\">Informations additionnels<\/label><\/div><div class='ff-el-input--content'><textarea aria-required=\"false\" aria-labelledby=\"label_ff_31_description\" name=\"description\" id=\"ff_31_description\" class=\"ff-el-form-control\" rows=\"3\" cols=\"2\" data-name=\"description\" ><\/textarea><\/div><\/div>        <div class=\"ff-step-t-container ff-inner_submit_container ff-column-container ff_columns_total_2\">\n            <div class=\"ff-t-cell ff-t-column-1\"><div class='step-nav ff_step_nav_last'><button style='float: left;'  type='button' data-action='prev' class='ff-btn ff-btn-prev ff-btn-secondary' aria-label='Previous'>Previous<\/button><\/div><\/div>\n            <div class=\"ff-t-cell ff-t-column-2\">\n                <div class='ff-el-group ff-text-left ff_submit_btn_wrapper'><button type=\"submit\" class=\"ff-btn ff-btn-submit ff-btn-md ff_btn_style\"  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obligatoire\"}},\"description\":{\"required\":{\"value\":false,\"message\":\"Ce champ est obligatoire\",\"global\":false,\"global_message\":\"Ce champ est obligatoire\"}}},\"debounce_time\":300,\"conditionals\":{\"preciser_secteur\":{\"type\":\"any\",\"status\":true,\"conditions\":[{\"field\":\"dropdown\",\"value\":\"Autres secteur\",\"operator\":\"=\"}]}},\"file_upload_settings\":[]};\n                            <\/script>\n            \n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d 0%,#1a3a4a 100%);padding:48px 24px;text-align:center;max-width:1200px;margin:0 auto;border-radius:16px;\">\n  <p style=\"color:#10c4c7;font-size:14px;font-weight:700;letter-spacing:3px;text-transform:uppercase;margin:0 0 12px;\">COMPARE AND SAVE<\/p>\n  <h2 style=\"color:#ffffff;font-size:28px;font-weight:800;margin:0 0 16px;\"><span class=\"ez-toc-section\" id=\"Protect-your-business-at-the-best-price\"><\/span>Protect your business at the best price<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <p style=\"color:#94a3b8;font-size:16px;margin:0 0 28px;\">Our AMF-certified brokers compare several insurers to find you the best business coverage.<\/p>\n  <div style=\"display:flex;gap:16px;justify-content:center;flex-wrap:wrap;\">\n    <a href=\"https:\/\/www.assur360.ca\/en\/online-business-insurance-quote\/\" style=\"display:inline-block;background:#10c4c7;color:#ffffff;padding:14px 32px;border-radius:8px;text-decoration:none;font-weight:700;font-size:16px;\">Get my free<\/a>\n quote<a href=\"tel:+18663574451\" style=\"display:inline-block;background:transparent;color:#ffffff;padding:14px 32px;border-radius:8px;text-decoration:none;font-weight:700;font-size:16px;border:2px solid #ffffff;\">1-866-357-4451<\/a>    \n  <\/div>\n<\/div>\n\n\n\n<div style=\"max-width:1100px;margin:48px 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href=\"https:\/\/www.assur360.ca\/en\/business-insurance-3-minute-quote\/beauty-center-insurance-get-a-quick-quote\/\" style=\"display:block;padding:14px 18px;background:#f8fafc;border-left:3px solid #10c4c7;border-radius:6px;text-decoration:none;color:#0d1f2d;transition:all .2s;font-size:14px;font-weight:600;line-height:1.4;\">Beauty Center Insurance: Get a Quick Quote<\/a>\n<a href=\"https:\/\/www.assur360.ca\/en\/business-insurance-3-minute-quote\/bed-and-breakfast-insurance-get-a-quote-in-less-than-3-minutes\/\" style=\"display:block;padding:14px 18px;background:#f8fafc;border-left:3px solid #10c4c7;border-radius:6px;text-decoration:none;color:#0d1f2d;transition:all .2s;font-size:14px;font-weight:600;line-height:1.4;\">Bed and Breakfast insurance: Get a quote in less than 3 minutes<\/a>\n\n  <\/div>\n  <div style=\"display:flex;gap:12px;flex-wrap:wrap;margin-top:8px;\">\n    <a href=\"https:\/\/www.assur360.ca\/en\/business-insurance-3-minute-quote\/\" style=\"display:inline-block;background:transparent;color:#0d1f2d;padding:10px 22px;border-radius:6px;text-decoration:none;font-weight:700;border:2px solid #0d1f2d;font-size:13px;\">Category hub \u2192<\/a>\n    <a href=\"https:\/\/www.assur360.ca\/en\/business-insurance-3-minute-quote\/\" style=\"display:inline-block;background:#10c4c7;color:#ffffff;padding:10px 22px;border-radius:6px;text-decoration:none;font-weight:700;font-size:13px;\">Get a free quote<\/a>\n  <\/div>\n<\/div>\n\n\n\n<script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"@id\":\"https:\/\/www.assur360.ca\/en\/business-insurance-3-minute-quote\/garden-centre-insurance-get-your-quote-in-less-than-3-minutes\/#faq\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"Puis-je ajuster ma couverture selon les saisons ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Yes, some policies allow you to adjust coverage based on periods of activity. IN BRIEF Garden Center Insurance Garden centres combine retail + greenhouses + machinery + living inventory (plants). The coverage must provide for plant frost (heating failure), diseases\/pests, and product liability (fertilizers, pesticides). Seasonality: Your inventory ranges from $50,000 in January to $500,000 in May . Talk to your broker about a variable seasonal limit to avoid paying year-round for the spring peak.\"}},{\"@type\":\"Question\",\"name\":\"Et si je vends aussi en ligne, suis-je prot\u00e9g\u00e9 ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Yes, some insurance policies include distance or online selling in their coverage.\"}},{\"@type\":\"Question\",\"name\":\"What are the main coverages in garden centre insurance insurance?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"A typical garden centre insurance insurance policy in Quebec includes: general civil liability (damage to third parties), commercial property (building, equipment, stock), equipment breakdown , business interruption (income loss after a claim), and depending on the sector, professional liability or cyber-risks . Exact coverage varies by insurer and profile \u2014 your partner broker tailors the policy to your operations.\"}},{\"@type\":\"Question\",\"name\":\"What exclusions should I check before signing?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The most common exclusions in business insurance: intentional acts , normal wear and tear , claims occurring before the policy period , certain catastrophic risks (flood, earthquake \u2014 often optional), mobile equipment off-site , and undeclared activities . Always read the exclusion clauses and declare all your operations to avoid claim denial.\"}},{\"@type\":\"Question\",\"name\":\"Can I bundle my garden centre insurance insurance with auto or home?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Yes. Most of our AMF-certified partner brokerage firms offer multi-product bundling . Combining business insurance with auto or home can generate a discount of 10 to 15% on total premiums, plus simplified management (one point of contact, one renewal date). At Assur360, the quote systematically evaluates the bundled option.\"}},{\"@type\":\"Question\",\"name\":\"How does professional liability (E&O) insurance work?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Professional liability (E&O) covers errors, omissions or negligence committed in the course of your profession, plus legal defence costs . It differs from general liability (which covers bodily or property damage to third parties). Depending on your sector, E&O can be strongly recommended or required by contract (e.g. by clients or professional associations).\"}},{\"@type\":\"Question\",\"name\":\"How long does a garden centre insurance quote via Assur360 take?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The online form takes 3 minutes to fill out . You'll then receive a call or email from an AMF-certified partner brokerage firm (member of the Chamber of Insurance ) within 24 to 48 business hours with a personalized quote for your business. The quote is free and no obligation \u2014 you're free to accept, decline, or negotiate.\"}},{\"@type\":\"Question\",\"name\":\"How long does a claim take to process?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Once the claim is filed, your partner broker opens the file with the insurer within 24 to 48 hours . A claims adjuster is assigned within 2-5 business days . Full settlement depends on complexity: 15 to 30 days for a simple claim (broken glass, minor theft), 2 to 6 months for a major claim (fire, significant water damage). You're supported at every step.\"}}]}<\/script>\n\n","protected":false},"excerpt":{"rendered":"<p>QUICK QUOTE Appropriate insurance for a much-needed garden center. Garden centres face unique risks: damage to greenhouses, theft of products, seasonal variations&#8230; [&hellip;]<\/p>\n","protected":false},"author":44,"featured_media":26931,"parent":15787,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_seopress_titles_title":"Gardening insurance: secure your centre all year round","_seopress_titles_desc":"Secure your garden centre with the right insurance. Compare, get quotes online and protect against seasonal risks. ","_seopress_robots_index":"","_seopress_robots_follow":"","_seopress_robots_imageindex":"","_seopress_robots_snippet":"","_seopress_robots_primary_cat":"","_seopress_robots_breadcrumbs":"","_seopress_robots_freeze_modified_date":"","_seopress_robots_custom_modified_date":"","_seopress_robots_canonical":"","_seopress_social_fb_title":"Garden centre insurance: Get your quote in less than 3 minutes","_seopress_social_fb_desc":"Compare garden center insurance in Quebec. Quick and free online quote. 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