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Find insurance coverage with your business in mind

Select a business to learn how Hortica helps protect it

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Garden centers

We have coverages to help protect your business property—and your business. Property and liability coverage are just the start.

Learn more about garden center insurance
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Greenhouse growers

We can help protect your horticultural structures, crops, and machinery.

Learn more about greenhouse insurance
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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.

Learn more about nursery or sod farm insurance
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Retail/wholesale/event florists

You have to keep track of everything at your shop—inventory, equipment, customers, employees. Let us help with insurance coverage.

Learn more about florist insurance
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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.

More on landscaper/plantscaper insurance
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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.

Let's connect
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We were very fortunate to have good coverage, good agents, and a good company behind us."
Jim, ownerTimbuk Farms
See Jim's story

Advocating 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.

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Giving back

We’re proud to support research, scholarships, and industry innovations, while partnering with a number of national and state associations.

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Loss control

We have a variety of loss control and safety resource materials tailored to help you have a safer and more successful business.

Explore resources
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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.

Explore insurance coverages
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Need horticultural business insurance now?

Talk with our knowledgeable representatives and they’ll help you find the right coverage options for your business.

Request a quote

Learning center

Driver using a GPS
Business tips4/3/2025

Help your employees avoid distracted driving

Looking for ways to prevent employee distracted driving? Follow these defensive driving tips, safety expectations, and training strategies to help keep your drivers focused behind the wheel.
Link to article
Tables decorated with floral arrangements for a wedding reception
Coverages4/1/2025

Do florists need insurance for weddings?

Weddings can be a dream opportunity for florists—but they also come with unique risks. From property damage to last-minute flower shortages, unexpected issues can impact your business. Make sure you're covered with the proper florist insurance. Learn about common wedding risks and how to help protect your business.
Link to article
woman working with plants in greenhouse
Business tips3/25/2025

A guide to controlled environment agriculture—including insurance considerations

Controlled environment agriculture is a tech-driven approach to optimize crop yields. Learn more about its types, benefits, risks, and the insurance coverages that help protect these operations.
Link to article
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During tough times, we can help

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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