Nursery--Garden

What Does GL Code 15699 Cover?

ISO GL class code 15699 covers businesses primarily engaged in the retail sale of plants, trees, shrubs, and related gardening supplies. This class includes operations such as garden centers, plant nurseries, and landscape supply stores that sell directly to the public. It classifies the general liability exposures associated with customer interactions, product sales, and premises maintenance within these retail environments.

Who Uses This Class Code?

This code is applicable to a variety of retail horticultural businesses, including independent garden centers, plant nurseries specializing in ornamental or edible plants, and stores selling bulk landscaping materials like mulch, soil, and stone. It also covers businesses that offer limited on-site planting or design consultation services as an incidental part of their retail operations.

Common GL Claims for This Class

Common claims include slip-and-fall incidents due to wet floors or uneven ground, property damage from falling plants or equipment, and product liability claims from contaminated soil or ineffective pesticides.

Coverage Tips for Code 15699

• Ensure your policy includes coverage for products liability, as defective plants or gardening chemicals can lead to claims.
• Verify adequate premises liability limits, especially if you have large display areas, heavy equipment, or offer workshops that attract many customers.
• If you deliver or install plants, confirm your general liability policy extends to off-premises operations and transit exposures.
• Maintain accurate records of gross receipts, as this is often the basis for premium calculation, to avoid audit discrepancies.