Coverages2/19/2025
A guide to florist insurance costs
Discover the factors that impact florist insurance costs, how to reduce your premium, and ways to avoid common pitfalls in this guide.
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Find insurance coverage with your business in mind
Select a business to learn how Hortica helps protect it
Garden centers
We have coverages to help protect your business property—and your business. Property and liability coverage are just the start.
Greenhouse growers
We can help protect your horticultural structures, crops, and machinery.
Nurseries or sod farms
Crops, coolers, equipment. Damage to any of these items can be disastrous to your business. We have ways to help protect your livelihood.
Retail/wholesale/event florists
You have to keep track of everything at your shop—inventory, equipment, customers, employees. Let us help with insurance coverage.
Landscaping business or interior plantscapers
Your business is different. You face personal and property damage risks. We have the specialized coverages that’ll help protect you and your lawn care or plantscaping business.
Own another horticultural business?
Your line of work not listed here? Tell us about your unique business. Together, we'll find the coverages you're looking for.
We were very fortunate to have good coverage, good agents, and a good company behind us."
Jim, ownerTimbuk Farms
See Jim's storyAdvocating for the floral and horticultural industry
We don’t just provide insurance coverage. We also offer you our knowledge and experience from across the industry. We specialize in serving horticultural businesses and building partnerships.
Giving back
We’re proud to support research, scholarships, and industry innovations, while partnering with a number of national and state associations.
Loss control
We have a variety of loss control and safety resource materials tailored to help you have a safer and more successful business.
Products
Learn about our insurance solutions
We offer a variety of insurance products and services that’ll help protect your income, your business, your employees, and your future.
Need horticultural business insurance now?
Talk with our knowledgeable representatives and they’ll help you find the right coverage options for your business.
Business tips2/10/2025
Greenhouse technology: Innovations for the present and future
Is your greenhouse tech-enabled? Robotics, automation, and smart technology are advancements already in use in commercial greenhouses. And just like your smartphone, the advancements keep coming. Find out how these tools can benefit you.
Coverages1/20/2025
Understanding general liability insurance for garden centers
Help protect your garden center with general liability insurance, which can apply following injury and product-related claims. Here’s a comprehensive review of this key coverage.
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