Property exposures can be simple office and vehicle or equipment storage. Whenever vehicles are maintained or repaired within buildings, fire potential increases.
Other property exposures unique to this type of operation may be the use or sale of live and growing plants, shrubs, bushes, trees, or flowers. These may be in a structure such as a greenhouse or on the outside of the building in a yard exposure. If either of the exposures exists, loss from wind, rain, or other natural elements needs to be carefully evaluated. Specialty coverages or those designed specifically for this type of operation to cover the loss causes of natural elements may be needed.
Greenhouses themselves can present a unique set of exposures. Older structures of glass may be subject to frequent glass damage losses. Newer structures are simply frames with plastic coverings. These plastic coverings need frequent replacement as they tend to yellow or cloud in the weather and block out the necessary sunlight.
Special programs and coverages are available to protect the structures and the growing plants or crops. What kinds of back-up systems or generators are available for freezing or other temperature losses?
Fire hazards can be high from the flammables used in the repair operations, such as solvents and degreasers, as well as the chemicals in fertilizers and insecticides. These must all be well controlled, labelled, and separated, with proper storage in the appropriate containers and storage facilities.