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Find the right horticultural insurance for your business

Start the journey
Wholesale Florist & Florist Supplier AssociationAmericanHortSociety of American ForestersNational Association of Landscape ProfessionalsMaster NurseryAPLD
Wholesale Florist & Florist Supplier AssociationAmericanHortSociety of American ForestersNational Association of Landscape ProfessionalsMaster NurseryAPLD
Society of American ForestersAmericanHortMaster Nursery

We're here for you

“Our companies have been insured by Hortica for well over 100 years. It has always been an outstanding experience and an outstanding relationship.”

Lee, customer
Richmond, Indiana

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Insuring your business

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Review coverages

Learn more about our insurance solutions designed to help protect your business.

Browse all coverages
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Get an insurance quote

Ready for the next step? Talk with our knowledgeable representatives.

Request a quote

Insurance solutions for horticultural businesses

We offer quality coverages and personal service

Our goal is to provide you the proper business insurance coverage and risk management you’re looking for. We’ll also work with you to reduce losses, operate a safe business, and provide prompt claim settlements.

Why choose Hortica
Timbuk Farms employees talking with a Hortica insurance representative
You have people that understand our business. You’re not talking to an adjustor that’s never done a claim before. You’re talking to someone that’s done it for 20, 30 years and knows our industry."
Jim, ownerTimbuk Farms
See the full testimonial
1887
Since 1887, we’ve helped protect the horticultural industry.
We understand how your business is different.
$10.4B
The total insured value** of all property we help protect across the United States.
We're ready to help care for your unique business.
**December 2022
A+ rating
Backed by AM Best A+ (superior) Sentry Insurance*.
We have the financial stability to give you peace of mind.
Two Hortica employees looking at flowers in a greenhouse

We provide personalized agent service to our customers

You’ll experience fast, hands-on support

With more than 135 years of experience in the horticultural industry, our knowledgeable staff of adjusters and network of claims professionals creates a unique partnership between us and our customers, leading to exceptional service with affordable premiums.

Contact us
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Our business is based in the U.S., right in your neighborhood

We help protect 50 of the top 100 growers throughout the country

Headquartered in Edwardsville, Illinois, our nationwide network of representatives helps guide and provide insurance solutions for greenhouse growers, nurseries, garden centers, retail florists, wholesale floral distributors, interior plantscapers, sod farms, and lawn care professionals. We also actively collaborate with and support various national and state industry associations.

Learn more about Hortica

Learning center

Wet floor sign in a greenhouse
Loss control3/5/2026

Prioritize greenhouse and garden center safety: Common hazards and prevention strategies

Garden centers and greenhouses face unique safety risks. Learn common workplace hazards and strategies to help prevent injuries and protect your business.
Link to article
Lightning above greenhouses
Loss control3/5/2026

Severe weather preparedness plan for horticultural businesses

Learn how to build a severe weather plan for your business, including response procedures, employee safety policies, and insurance considerations.
Learn more
white semi truck making a turn on a street
Loss control2/24/2026

English language proficiency for commercial drivers: What horticulture businesses need to know

English Language Proficiency (ELP) is a growing focus in DOT inspections. Learn how your horticulture businesses can evaluate drivers, document compliance, and reduce risk.
Link to article
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