Insurance for nature centers and botanical gardens

Insurance coverage for nature centers and botanical gardens

Markel Specialty’s insurance options are designed to support the goals of your organization and your mission.

Liability coverage

General liability
Commercial general liability insurance offers coverage if you are sued by someone who claims that you caused their physical injury or damaged their property. Markel Specialty offers limits up to $1 million per occurrence/$3 million aggregate. (Per occurrence is the maximum amount paid on a covered individual claim; aggregate is the maximum amount paid on all covered claims combined, within the policy period.)

Abuse and molestation liability --offered as an optional coverage for qualified risks.
Markel Specialty offers this hard-to-find, critical coverage for situations that can be explosive. Our claims associates have years of experience resolving sensitive claims.

Special events
This coverage provides insurance protection for fundraising and special events, either on or off premises.

Volunteers as Additional Insureds
When your organization uses volunteers, they're acting on your behalf. This coverage is intended to cover unintentional negligent acts of your volunteers.

General liability plus extension
Provides a bundled group of coverage extensions such as damage to premises rented to you up to the occurrence limit and per location aggregate.

Umbrella liability
Provides extra protection for catastrophic events. Umbrella liability goes into effect after you've exceeded the limits of your general or auto liability insurance. Limits up to $10 million are available for qualified risks.

Employee benefits
Provides insurance protection for an error or omission in the administration of your employee benefit program.

Property coverage

Commercial property
Commercial property insurance provides coverage for your property including owned buildings, business personal property, and business income.

Commercial property extension endorsements
Provides a bundled group of coverages on one form such as accounts receivable, debris removal, fire department service charge, newly acquired buildings and personal property, outdoor property, refrigerated goods spoilage, and more.

Business income
If your facility is temporarily closed due to a covered loss (fire, lightning, windstorm), business income insurance covers your lost income including rental receipts and continuing expenses. . This coverages requires direct physical loss of or damage to property that causes a loss of business income or extra expense.

Systems breakdown
Insurance protection when your mechanical, electrical, or pressure system breaks down. This includes covered heating and air conditioning systems, computers, boilers, refrigerators, hot water heaters, and telephone systems.

Other coverages

Accident medical
Accident medical insurance offer coverage for your medical bills (up to the policy limit) if your staff, volunteers, or clients are injured at your facility and have no insurance of their own, or their bills exceed what their insurance pays.

Automobile
Covers owned, leased, non-owned, and hired vehicles, such as cars, vans, pickups, and buses used at your facility. Automobile Plus Extension provides coverage extensions such as hired physical damage and rental reimbursement.

Crime
This coverage protects you from your employee’s acts involving dishonesty, theft of money or securities, and forgery.

Inland marine
Covers your valuable papers, EDP, signs, property off premises, and miscellaneous articles and equipment including computer systems and miscellaneous equipment used in your business and more.