Property, Casualty

& ​Business Insurance

Marsh Canada’s Affinity and Specialty Programs provide comprehensive insurance program management for large corporations, franchises, business-owner organizations, and professional associations, alumni associations, or any membership organization/group that shares a common "affinity."

This program consists of commercial property, liability, and automobile insurance for members of the Canadian Nursery Landscape Association (CNLA) and all provincial associations.  The program is endorsed by CNLA.


A comprehensive Property and Casualty Program tailored to meet CNLA member needs:

  • Errors and omissions coverage for landscape design professionals.
  • Unlocked vehicle warranty for theft of tools in unattended vehicle.
  • Rented equipment and rental reimbursement coverage.
  • Blanket limit for all insured values with no co-insurance restriction.
  • All risks coverage for greenhouses and nurseries and growing stock.
  • Landscapers including snow removal operations.
  • Commercial 'blanket' fleet rating.
  • Hail coverage provided without any limitation.
  • Overspray pollution liability.

Exclusive Benefits of the HortProtect Program

  • High quality and good value program structure tailored to meet your needs for landscape contractors, nurseries, and garden centres including greenhouse coverage.
  • Tools to assist you to reduce risk exposures and minimalize overall costs.
  • Education through training and risk awareness supported by the provincial association.
  • Comprehensive coverage and competitive pricing that takes into consideration regional differences.
  • A national dedicated claims management team with technical expertise that will advocate on the policyholder's behalf.
  • Introduction and implementation of risk management tools and best practices that will help reduce risk exposures and minimize costs through centralized data management.

Ineligible Risks / Risk Requiring Further Review

  • Fertilizing and weed spraying revenues (combined) of more than 25% of the overall revenue.  Additional underwriting consideration required on a case by case basis for excess of 25%.
  • Operations that involve snow removal revenue in excess of 50% of total revenue.
  • Snow removal contractors who have hold harmless agreements and no risk control procedures in place.
  • Operations with less than three years experience.
  • Risks with claims loss ratios over 50% in the past five years or any account that's had a pollution incident.


All members of CNLA with a minimum of 50% revenue derived from landscape or nursery operations, and who have been in business for a minimum of three years.

If involved in snow removal:

  • Proper snow removal contracts must be utilized and they must not contain a hold harmless clause holding the contractor responsible for actions that are not due to their own negligence. CNLA has an approved contract.
  • Snow maintenance logs must be kept by the contracts for at least three years.

For More Information

Please contact your Marsh Canada Limited Licensed Insurance Broker at:

1-888-949-4360 or

When you purchase coverage through the HortProtect Property/Casualty Insurance Program everyone wins — you get access to group insurance rates and comprehensive coverage, and the CNLA receives compensation from Marsh for assistance in administering the HortProtect Plan.

Information on this web page represents a synopsis of coverage and is provided as a reference only. The actual policy, including endorsements determines coverage. It contains exclusions, limitations and other provisions not referenced (or only briefly summarized) here and the policy should be consulted for full coverage terms, conditions and requirements. Deductibles may apply.  For exact terms, definitions, limitations, and exclusions, please speak with your licensed Marsh Canada Limited insurance broker, or refer to the policy wording.

​Property and Casualty/Business Insurance Program underwritten by AIG Canada.