Grow Program

Grow Program

Whether you are a greenhouse grower, a nursery, a retail garden center, or any combination, TPG’s Grow Program can be tailored to your unique insurance needs. With the two largest commercial Property & Casualty insurance carriers in the country supporting the program, the Grow Program has the broadest array of coverages and the most flexible pricing plans for your specific type of business.

Program Highlights

  • AM Best A Rated (Excellent) Carrier (Company Size XV)
  • Competitive Rates
  • Superior Customer Service
  • Assistance with proper valuation of greenhouses and the equipment contained within

Eligible Exposures

  • Greenhouse Growers
  • Nursery Growers
  • Independent Garden Centers
  • Florists
  • Urban Farms (100% Hydroponic fruit and/or vegetable growers and distributors)
  • Hybrids
  • Sod Farms
Grow Program Insurance | TPG Insurance Services

Ineligible Exposures:

  • Livestock on Premises
  • Selling or Growing of Fruits and Vegetables (other than 100% Hydroponic Urban Farms)
  • (Transplants acceptable, must sell directly to grower)
  • Operations with Fewer than 3 Employees, Including Partners and Owners
  • Agricultural Crop Spraying
  • Snow Removal (Limited snow removal may be acceptable)
  • Contractors providing work within New York City’s 5 Boroughs

Minimum Package Premium

  • $10,000

Lines of Business

  • General Liability (limits up to $1M per occurrence/$2M aggregate)
  • Auto Liability (limits up to $1M per occurrence/$2M aggregate)
  • Property, including Equipment Breakdown (limits up to $15M per location)
  • Product Liability (limits up to $2M)
  • Umbrella Liability (limits up to $15M)
  • Workers’ Compensation (Statutory Limits)

Special Coverages

  • Coverage for buildings, greenhouses and crops for losses due to fire, wind, collapse, hail, failure of utility
  • Services and boiler or equipment breakdowns
  • Wind and hail coverage for outdoor plant inventory up to $250,000
  • Market value coverage on losses of greenhouse crops
  • Limited pollution liability coverage
  • Coverage limits can be tailored to seasonal fluctuations of crop and inventory

*TPG currently offers 18 programs through its Partnership with NIP Programs. NIP holds all Trademarks on their specialty programs (i.e. GlassPro®). In addition to NIP, TPG uses its 300+ Carrier Market reach to identify the best solutions for its clientele.