Nursery & Tree Farm commercial insurance overview (2026)

Everything we know about nursery & tree farm commercial insurance — the typical coverage stack, cost ranges, state-specific filed-rate data, and links to the full pricing and requirements pages. Use this as the navigation hub for nursery & tree farm coverage research.

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📘 Educational, not advice. Industry overviews are general guidance. Legal requirements + actual premiums vary by state and operation. Get a real quote or consult a licensed agent for your state.
Business activities classified under NAICS 111421 — Nursery and Tree Production
Business activity
Azalea farming
Christmas tree growing
Corms farming
Field nurseries (i.e., growing of flowers and shrubbery)
Flower bulb growing
Fruit stock (e.g., plants, seedlings, trees) growing
Herbaceous perennial growing
Nursery stock growing
Nursery with tree production (except for reforestation)
Preseeded mat farming
Propagation material farming
Rose bush growing
Short rotation woody tree growing (i.e., growing and harvesting cycle ten years or less)
Shrubbery farming
Sod farming
Tissue culture farming
Tree crop farming (except forestry), short rotation growing and harvesting cycle
Turf farming
Source: US Census Bureau, 2022 NAICS Index File
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