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ONTARIO GREENHOUSE INSURANCE
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What is a Greenhouse?

Simply put, a greenhouse is a facility used to grow plants and flowers indoors.

 

How Does Greenhouse Insurance Work In Ontario?

Greenhouses are complex structures that require adequate maintenance and protection from damages. As a result, you should have propere insurance coverage.

Without Greenhouse Insurance, as an Ontario Greenhouse owner, you are putting your livelihood at stake. An adequate insurance plan covers a company’s assets and guards the company against any liabilities imposed.

 

What Does Greenhouse Insurance Cover?

To start, most greenhouses tend to have large boiler systems that provide heating and power to the facility. Greenhouses have a form of coverage called equipment breakdown coverage. However, typically boilers over a certain PSI are not covered by a standard commercial insurance policy.

So, you would want to have equipment breakdown coverage when operating in these types of facilities. If something were to happen and the boiler was to break down and you lost all the flowers because the heat wasn’t on, that would stem from an equipment breakdown coverage that you’d have in place.

There’s also coverage called ‘Peak Season Endorsement’ where there’s automatically a certain percentage of additional coverage for stock and that would be covered. This helps owners as they’re operating so they don’t have to be continually monitoring stock levels. If there were to be a loss where the greenhouse was to burn down and could no longer operate, and you wanted to have coverage for lost income during that time, you would be covered.

Many greenhouse owners also often have open houses where people come to the actual site. But if you’re having people come on-site and they were to slip or fall, that can be a claim that’s made under a liability policy on your greenhouse insurance coverage.

Here is a more specific breakdown of what can be covered under Greenhouse Insurance:

  • The greenhouse itself (the structure)
  • Equipment
  • Equipment breakdown
  • Crops
  • Business interruption
  • Peak season
  • Outbuildings

 

How You Can Get Started

If you have specific questions relating to Greenhouse Insurance, the Duliban Insurance Brokers team is here to help! Contact us today to find answers to your questions and to get a free quote based on your specific needs.

Here's What Some Of Our Awesome Client Family Is Saying

Jaysus from the thousand islands
Jaysus from the thousand islands
2022-01-13
Verified
I was in a pinch and needed insurance for my new business. Never having obtained commercial insurance before I knew it would be challenging. After calling numerous companies it became clear that Duliban was the right choice. They were very professional, had amazing response times, and got me the insurance I needed. I wouldn't consider any other company for my insurance needs.
Tracey Saulnier
Tracey Saulnier
2021-12-18
Verified
Holly and Trevor have provided excellent service so far in giving us a very competitive quote and following through with the sign up process. We are new to the company so we will give a further review after we’ve been with them a while. So far- we are really impressed!
David Martino
David Martino
2021-12-13
Verified
A terrific experience all around. Domenic and his team were quick, efficient and got us great home and auto insurance policies at an excellent price. Clear and effective communication throughout. Highly recommended.
Ryan Lymer
Ryan Lymer
2021-11-27
Verified
I did an online multi-quote, gave me multiple quotes from companies in my area, and a few from outside my region. Thought to myself, that's too good to be true, so I disregarded it. About 20 minutes later, Amy, from Duliban Brokers gave me a call. She was very professional and very informative. Gave her the basic information to start a policy. Even though their offices closed at 2pm on Saturday, she went above and beyond with setting everything up for me on her end. Everything was online and easy. Had my new vehicle insured for the following Monday. Would absolutely recommend friends and foes to consider using Duliban Insurance Brokers for their insurance needs. Thank you so much Amy, I am beyond happy with my service.
Mike Virk
Mike Virk
2021-11-11
Verified
Must give them try holly Moore gave me 5 star service.
John Delgaty
John Delgaty
2021-11-01
Verified
A huge thank you to Domenic Tollis for finding the best possible insurance coverage for our vehicles and home. Domenic has excellent communication skills, is proactive and patient. He answered all of our questions and worked hard on the various scenarios presented to him. Other companies should take note of this kind company/client relationship. Well done Domenic and Duliban Insurance!!
Joan D
Joan D
2021-10-25
Verified
Our car insurance was coming up for renewal with TD Insurance and I tried to get a lower rate with no luck. I didn’t have the time or energy to call multiple insurance companies for quotes. I’ve never used a broker before and a friend recommended Duliban. I’m so glad I called! It took 20 minutes on the phone with Warren Drake and I saved $160 per month for our cars and we have a 17 year old casual driver in the house. Our coverage is all the same except lower deductibles with Duliban (CAA had the best rates for us). The rates for home insurance were so good that we renewed early and took a penalty. I wouldn’t hesitate to recommend Duliban and Warren Drake, very professional, great customer service and they’re local to Niagara 😊
Raelynn Found
Raelynn Found
2021-10-10
Verified
Holly provided excellent customer service and made my transition from my previous Insurance company quick and easy. She provided me with a rate at half the price I was previously paying. We spoke over the phone and via text which made it very easy for contact throughout my busy day. I highly recommend Holly and Duliban Insurance!!!

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