Horticultural Trades



 

 

Since 1979, Sinclair Cockburn has been providing specialty insurance programs to the horticluture industry. Our expertise has earned us the designation as the "Endorsed Supplier" for the Canadian Nursey Landscape Assoication (CNLA) and Landscape Ontario. Whether you are involved in property maintenance, lawn care, irrigation contracting, garden centres or landscaping, we know what you need when it comes to insurance. Our custom-designed insurance product, known as HortProtect™ provides coverage that our competitors exclude

We know your business and are able to anticipate your needs. Our policies provide coverage for not only the cost of renting equipment after an insured loss, but we also provide coverage on the rented equipment itself.

When it comes to protecting you against third-party claims, we know the legal requirements of your business imposed by the Pesticides Act and our policies have been crafted to address the environmental liabilities.

We are recognized as a leader in the loss prevention practices of snow removal contractors. Our work goes further than just providing an insurance product. In conjunction with our legal partners and in-house professional engineers, we advise our customers on loss prevention techniques that include contract language, client selection and certificate of insurance management.

The following are part of the HortProtect™ Endorsement and not found in regular polices.

  • 5 year replacement cost on equipment
  • Business Interruption coverage for snow plough equipped and spraying equipped vehicles with a limit of $10K and a per day limit of $500.
  • Coverage for Arborists up to their Commercial Liability limit.
  • Laptop Coverage included while on premises
  • Crime coverage for money, securities, forgery/counterfeit to a limit of $10K
  • Employee dishonesty including computer limit of $25K
  • Live Tree Displays on premises and in ground with a limit of $50K
  • Rental reimbursement and equipment coverage with a limit of $25K
  • Single combined deductible for automobile, trailer and equipment
  • Claims Assistance Hotline. Free legal advise for plan members 1-800-786-0656
  • Pollution Liability coverage included with Accidental Pesticide Overspray up to the full business liability limit.

For further details, please visit our HortProtect Website by clicking HERE.


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Kyle O’Brien
Kyle O’Brien

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