NAICS UNIVERSITY · Free research for insurance agents
Nursery and Tree Production
NAICS 111421 · United States · 2022 edition
This U.S. industry comprises establishments primarily engaged in (1) growing nursery products, nursery stock, shrubbery, bulbs, fruit stock, sod, and so forth, under cover or in open fields and/or (2) growing short rotation woody trees with a growth and harvest cycle of 10 years or less for pulp or tree stock.
Review the farm operation beyond the crop.
Nursery and Tree Production combines production risks with equipment, premises and labor concerns. Review crop and plant stock loss, mobile equipment and farm machinery, farm liability. Ask about custom work for others, storage and added processing; those activities need their own coverage discussion.
Questions to ask
- What species and stock types are grown — ornamental trees, shrubs, sod, bulbs, or short-rotation woody crops — and what is the approximate per-acre or per-unit value of growing stock?
- Are any greenhouse, hoop house, or overwintering structures on the property, and what is their approximate replacement value?
- What is the mix of full-time versus seasonal agricultural labor, and are any H-2A or other guest worker programs used?
- Is output sold wholesale only, or is there any retail, pick-your-own, or agritourism activity on the premises?
- What irrigation infrastructure is in place, and is it scheduled on an existing policy?
- For Nursery and Tree Production, what should the underwriter know about prior crop losses tied to weather, disease, or pest infestation without documented mitigation measures?
- For Nursery and Tree Production, what should the underwriter know about greenhouse or hoop house structures in high-wind, hail, or snow-load zones without documented structural reinforcement?
- For Nursery and Tree Production, what should the underwriter know about significant retail sales activity on the premises, which may push toward a different classification or require additional premises liability consideration?
Activities described by this code
Other activities to examine
- Growing vegetable and melon bedding plants: 11121 — Vegetable and Melon Farming
- Operating timber tracts (i.e., growing cycle greater than 10 years): 113110 — Timber Tract Operations
- Retailing nursery, tree stock, and floriculture products primarily purchased from others: 444240 — Nursery, Garden Center, and Farm Supply Retailers
- Merchant wholesale distribution of plant seeds and plant bulbs primarily purchased from others: 424910 — Farm Supplies Merchant Wholesalers;
- Merchant wholesale distribution of nursery stock (except seeds and plant bulbs) primarily purchased from others: 424930 — Flower, Nursery Stock, and Florists' Supplies Merchant Wholesalers
Census classification reference
For educational purposes only. AI-generated insurance research and automated logic can contain errors. Independently verify classification and coverage decisions.
Compare another operationInsurance operations research — draft
Nursery and tree production operations grow shrubs, ornamental trees, bare-root stock, balled-and-burlapped trees, sod, bulbs, and short-rotation woody crops either in open fields or under greenhouse structures. Output is typically sold wholesale to landscapers, garden centers, retailers, or reforestation programs rather than direct to consumers. Operations involve irrigation systems, field equipment, transplanting machinery, and sometimes cold-storage or overwintering structures.
Questions to investigate
- What species and stock types are grown — ornamental trees, shrubs, sod, bulbs, or short-rotation woody crops — and what is the approximate per-acre or per-unit value of growing stock?
- Are any greenhouse, hoop house, or overwintering structures on the property, and what is their approximate replacement value?
- What is the mix of full-time versus seasonal agricultural labor, and are any H-2A or other guest worker programs used?
- Is output sold wholesale only, or is there any retail, pick-your-own, or agritourism activity on the premises?
This insurance research was generated in April 2026. It has not received a complete human review. The October 12, 2026 audit checked codes and titles only, not descriptions or coverage assertions.