NAICS UNIVERSITY · Free research for insurance agents
Nursery, Garden Center, and Farm Supply Retailers
NAICS 444240 · United States · 2022 edition
This industry comprises establishments primarily engaged in retailing nursery and garden products, such as trees, shrubs, plants, seeds, bulbs, and sod, that are predominantly grown elsewhere. These establishments may sell a limited amount of a product they grow themselves. Also included in this industry are establishments primarily engaged in retailing farm supplies, such as animal (except pet) feed, fertilizers, agricultural chemicals, and pesticides.
Start the review with premises liability.
For Nursery, Garden Center, and Farm Supply Retailers, the saved research highlights premises liability, products liability, perishable inventory. Confirm how these arise in the actual operation, what controls are used and whether additional services change the proposed coverage.
Questions to ask
- What percentage of inventory is live plant material versus hard goods (tools, pots, chemicals, soil)?
- Does the operation store or sell bulk quantities of pesticides, herbicides, or fertilizers — and if so, in what volumes?
- Are any application services offered — spraying, treatment, or lawn care — in addition to product retail?
- What percentage of plants or nursery stock is grown on-site versus purchased from wholesale growers?
- How does inventory value fluctuate between peak season and off-season, and what is the peak stock value?
- Are greenhouse structures present, and if so, what is their construction type and approximate replacement value?
- Does the business operate delivery vehicles, and do employees use personal vehicles for any business purposes?
- How many employees are seasonal versus year-round, and are any hired as agricultural workers under state-specific workers' comp rules?
Activities described by this code
Other activities to examine
- Merchant wholesale distribution of farm supplies: 424910 — Farm Supplies Merchant Wholesalers
- Providing landscaping services: 561730 — Landscaping Services;
- Growing and retailing nursery stock: 111421 — Nursery and Tree Production
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, garden center, and farm supply retailers sell trees, shrubs, bedding plants, seeds, bulbs, sod, soil, fertilizers, mulch, pest control products, and farm supplies to homeowners, landscapers, and farmers. Operations typically include outdoor display lots, greenhouse structures, bulk material areas, and a retail storefront. Many operations are highly seasonal, with peak activity in spring and fall, and some carry live plant inventory that is perishable if not properly maintained.
Questions to investigate
- What percentage of inventory is live plant material versus hard goods (tools, pots, chemicals, soil)?
- Does the operation store or sell bulk quantities of pesticides, herbicides, or fertilizers — and if so, in what volumes?
- Are any application services offered — spraying, treatment, or lawn care — in addition to product retail?
- What percentage of plants or nursery stock is grown on-site versus purchased from wholesale growers?
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.