Did you know Gallagher Affinity offers your landscaping or nursery business access to more than a business owner’s policy (BOP) to help mitigate your company’s risks or health offerings to protect the well-being of your employees? MNLA members also have access to a wide range of savings and services designed to help you meet the needs of your modern workplace.

Read on to learn more about these offerings and how they can help safeguard your business or ensure it responds swiftly following a covered event.

Comprehensive Business Insurance

Small businesses like yours are exposed to a bevy of evolving risks, ranging from physical damage or theft to harmful cyberattacks, that can put sensitive client data in harm’s way. Gallagher Affinity understands your challenges and offers business insurance options designed specially for your needs:

  • Commercial Auto – How will you protect your fleet of company vehicles, whether owned or leased? Commercial auto can provide valuable peace of mind in the event you or an employee cause injuries or damages with a company-owned or personal vehicle while working.
  • Commercial Umbrella – Secure greater peace of mind with additional layers of liability on top of those offered by your general liability, auto and workers’ compensation policies. This valuable coverage can help prevent costly insurance gaps.
  • Cyber Liability – No matter its size or industry type, any business can become a target of cyber criminals due to the valuable personal information it retains or due to its perceived lack of sophisticated cybersecurity measures. Cyber Liability Insurance, also known as Data Breach Coverage, can help protect your company in the event of lost or stolen electronics or a breach where employees’ and customers’ personal information is exposed or stolen.
  • Employee Benefits Coverage – Mistakes, errors or omissions while administering employee benefit plans can be costly. This coverage can assist if an employee takes you to court over issues with their insurance, savings plan, workers’ compensation or other benefits.
  • Equipment Coverage – Protect the tools, mobile equipment and materials your business relies on under our inland marine “floater” policy. This valuable coverage can help keep your business afloat by protecting your supplies during all stages of transport, whether in storage, use on the job site or while in transit. You can request equipment be added at the actual cash value (ACV) or replacement cost (RC).  
  • General Liability – Insulate your business against third-party claims arising from your business operations. These claims can involve property damage as well as bodily, personal or advertising injury.
  • Herbicide and Pesticide – Landscapers and nursery owners rely on herbicide and pesticide products. This coverage assists with third-party bodily injury or property damage resulting from these chemicals.
  • Property – Protect the properties and equipment on which your business relies. This coverage can help you recover from disruptive events like fire, theft, vandalism and other covered disasters.
  • Workers’ Compensation – Landscaping and nursery jobs can be hard on the body, resulting in strain or repetitive motion injuries. Workers’ compensation provides valuable assistance to employees who are hurt on the job and can help protect your finances if an injured employee sues you. The Michigan Nursery and Landscape Association (MNLA) Michigan Horticulture Industries Self-Insured Workers’ Compensation Fund (MHI Fund) is a member-owned workers’ compensation program designed to help keep your costs low, reliable and predictable.

Life and Health Insurance

As the cost of quality medical care increases, so do your health and life insurance premiums. We understand these overhead costs are always among business owners’ top concerns. That’s why we offer you the freedom to choose beyond traditional group insurance offerings to hundreds of plans from top-rated carriers.

Our competitive life and health insurance solutions deliver a range of benefits, including flexible spending plans, large hospital networks and medical care, plus valuable cost-saving opportunities. 

HR Tools and Resources

Human resources (HR) plays a vital role in the modern workplace by connecting your employees with essential programs and services, as well as ensuring compliance with state and federal employment laws. But, quite often, small business owners must wear multiple hats or lack the staff size to justify a full-time HR specialist. Gallagher understands this challenge and offers a variety of information and resources designed to help your business run smoothly and meet your needs. From hiring independent contractors to state and federal laws and requirements, we have insights for employers of all sizes. Learn more at franinsurance.com/mnla/hrtools.

Safety and Loss Control Tools

At Gallagher, we believe in being more than just your insurance broker. We strive to be your partner in all things. Every day, we leverage our insight and expertise to provide businesses with comprehensive risk management strategies beyond simple insurance policies. Our experts are always available to help you identify your business’s unique risks, take necessary steps to mitigate them or prepare for worse-case scenarios with continuity planning tools. After the event, we offer toolkits to help you quickly respond and easily navigate the claims process.

Perks and Discounts

As an MNLA member, you have access to more than top-rated insurance offerings. You can also secure a multitude of discounted business services and personal solutions designed to help you save money and time. Whether you need background screening for new job candidates, quality pet health insurance for your furry companion or credit monitoring services, we’ve got you covered. Learn more about available programs by visiting franinsurance.com/mnla/perks-discounts.

Disaster and Continuity Planning Resources

Preparing for extreme weather events is becoming an increasingly necessary aspect of the business lifecycle. Gallagher’s partnership with Agility Recovery makes it easier for small businesses to plan for interruptions and come back stronger. Our business continuity planning tools and resources tackle common issues involving:
•    Communication interruptions
•    Office space closures
•    Power issues
•    Technology losses
•    Data disruptions

Bond Purchasing

Some clients require you to purchase a bid or performance bond before taking on a project. We have several carriers offering full bonding options to meet your clients' needs.

Gallagher Affinity and MNLA want your business to grow and flourish. In addition to securing these coverages and taking advantage of our savings and discount programs, you can also contact MNLA's insurance expert Ashley Thomas for a free comprehensive overview of your business risks. Her risk analysis can help you identify your exposures and outline the steps to close harmful protection gaps. Learn about available coverage at gallagheraffinity.com/MNLA or contact Thomas at 918.764.1619 or ashley_thomas@ajg.com.

The information contained herein is offered as insurance Industry insight and provided as an overview of current market risks and available coverages and is intended for discussion purposes only. This publication is not intended to offer legal advice or client specific risk management advice. Any description of insurance coverages is not meant to interpret specific coverages that your company may already have in place or that may be generally available. General insurance descriptions contained herein do not include complete Insurance policy definitions, terms and/or conditions, and should not be relied on for coverage interpretation. Actual insurance policies must always be consulted for full coverage details and analysis. Gallagher publications may contain links to non-Gallagher websites that are created and controlled by other organizations. We claim no responsibility for the content of any linked website, or any link contained therein. The inclusion of any link does not imply endorsement by Gallagher, as we have no responsibility for information referenced in material owned and controlled by other parties. Gallagher strongly encourages you to review any separate terms of use and privacy policies governing use of these third party websites and resources. Insurance brokerage and related services to be provided by Arthur J. Gallagher Risk Management Services, LLC (License Nos. 100292093 and/or 0D69293).
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