What insurance does a nursery & tree farm business need? (2026)
Most nursery & tree farm operations carry a stack of commercial-insurance lines — some legally required (typically workers' compensation when you have employees), most commonly carried because clients, landlords, lenders, or regulators expect them. Below: the lines that bureau filings most often cite for nursery & tree farm operations. Confirm what's legally required vs commonly carried with a licensed agent in your state — requirements vary state by state.
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Insurance requirements for other industries
Browse the typical insurance coverage stack for other verticals. Each links to that industry's standalone requirements page.
| 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 |