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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

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
Wet floor sign in a greenhouse
Loss control3/11/2025

Make safety a top priority at your garden center

By making safety a priority at your garden center, you can help reduce your accident risks, minimize costs, and elevate customer satisfaction. Review these safety essentials to discover how they can positively impact your business.
Link to article
Indoor Vegetable Gardening
Business tips3/5/2025

Vertical growing: methods, benefits, and challenges

Learn about the benefits of vertical growing, from efficiency to sustainability, and how common vertical growing methods can boost your horticulture business.
Link to article
See all
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During tough times, we can help

Let us be there for you, too

  • Quality insurance coverage

  • Quick claims resolution

  • Personal service

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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