About

Protect Your Valuable Live Assets

Live Asset Insurance was developed to insure trees, plants, shrubs, bushes, and vines; not crops, fruits, nuts or berries.

Live Asset Insurance provides specialized insurance coverage for, but not limited to:
  • Arboretums
  • Builders and Developers
  • Colleges and Universities
  • Golf Courses
  • Homeowner Associations
  • Municipalities
  • Homeowners with landscaping exposures
  • Nurseries
  • Office/Shopping Parks
    • Why Was Live Asset Insurance Created?

    Natural disasters and changing weather patterns have accelerated the need for a private insurance product that could properly insure live assets affected by these events. The insurance industry has virtually walked away from protecting these live assets, and the government's crop insurance program is expensive, cumbersome and exclusionary. Our natural disaster insurance product is available to all, is affordable, and above all is easy to use.

    Who is eligible for our natural disaster & weather insurance: Anyone at risk of economic loss if a covered peril destroys their live assets
    • Arboretums
    • Builders and Developers
    • Cemeteries
    • Christmas Tree Farms
    • Coffee Plantations
    • Colleges, Universities
    • Golf Courses
    • Growers of all kinds
    • Homeowner Associations
    • Homeowners with Nurseries
    • Office Parks
    • Shopping centers
    • Resorts
    • Tree Farms
    • Vineyards
    • Zoos
    We insure your live assets against these weather, natural disaster & other perils: What Does the Natural Disaster Insurance Policy for Live Assets Cover?

    This insurance program offers coverage on a named peril basis for damage to trees, plants, bushes, vines, flowers, shrubs & other live assets. There is no coverage for harvestable crops or products.

    Multiple peril live asset insurance coverage is available in select states. To find out more about how to insure your live assets against natural disaster and weather related damage, please go to our website: LiveAssetsInsurance.com

    The insurance policy includes coverage for all trees, plants and shrubs. Coverage can be expanded to include property coverage associated to the risk: retail stores, hotels, storage buildings, equipment and transit coverage for the live assets.

    We insure against:
    • Fire
    • Lightning
    • Explosion
    • Hurricane
    • Tornado
    • Hail
    • Smoke
    • Aircraft or vehicle damage
    • Weight of ice, sleet, snow
    • Fire
    • Lightning
    • Explosion
    • Hurricane
    • Tornado
    • Hail
    • Smoke
    • Aircraft or vehicle damage
    • Weight of ice, sleet, snow
    • Vandalism
    • Flood, except in zones A & V
    • Sprinkler leakage
    • Sinkhole
    • Volcanic action
    • Falling objects
    • Freeze
    • Water damage(limited)
    • Earth movement
    • Riot or Civil Commotion
    • Theft (available by endorsement)