Nursery
A business enterprise deriving at least 50% of its gross income from the marketing of wholesale plants.

Counties Available
The Nursery Crop Insurance policy is available in all states.

Crop Insured
The crop insured will be all nursery plants and plant types in each practice (field-grown or container) listed on the eligible price list for your area in which you have a share that you elect to insure.

Peak Inventory Endorsement
The peak inventory endorsement allows growers to cover temporary increases in inventory without paying a full year's premium.

Practice
Container grown and field grown are considered separate insurance practices.  Each practice can be further divided into distinct basic units by plant type.

Catastrophic Coverage
Catastrophic (CAT) coverage is available at the 50 percent coverage level and 55 percent of maximum price election.

Nursery Growers Price Endorsement (NGPE)
NGPE permits nursery growers who purchase buy-up coverage to insure specific plants at prices higher than those shown on the eligible plant list/plant price schedule.

Buy-Up Coverage
The policy provides protection for up to 75 percent of the value of nursery inventories.

Insured Causes of Loss
Adverse weather conditions; fire (provided weeds and undergrowth are controlled); wildlife; earthquake; volcanic eruption.  If due to an insurable cause of loss, the following is covered.  Failure of or reduction in power supply; failure of irrigation water supply; a loss in values because of an inability to market the plants; collapse or failure of buildings or structures. 

Rehabilitation Endorsement
The rehabilitation endorsement is only applicable to field grown plants damaged by an insured cause of loss.  Rehabilitation costs are limited to expenditures for labor and materials for pruning and setup (righting, propping, and staking).

Important Dates