Protecting Your Greenhouse Business in Michigan

Running a greenhouse business in Michigan means working hard year-round to grow and supply plants, flowers, or produce. From unpredictable weather to equipment breakdowns, there are many risks that can impact your business. 

Why Insurance Matters

Greenhouses are exposed to a variety of risks including wind and hail damage, theft, fire, and loss due to mechanical failure. Having insurance tailored to your greenhouse operation can help cover the cost of repairs, replacements, and lost income.

What Coverage to Consider

Most greenhouse businesses should consider:

• Property Insurance to cover the structure, equipment, and supplies
• General Liability in case someone is injured on your property
• Workers’ Compensation if you have employees

Why Working with a Local Insurance Agent Matters

A local agent understands the unique risks that Michigan greenhouse owners face — from sudden frosts to lake-effect storms. They know the local market, seasonal patterns, and what type of coverage makes the most sense for your location. Plus, when you need support, you're talking to someone who lives and works in your community. That personal connection can make a big difference when the unexpected happens.

Insurance isn’t just about peace of mind — it’s about protecting your hard work. Whether you run a small seasonal greenhouse or a large year-round operation, the right policy can keep your business growing strong no matter what comes your way.