We’re here to help you protect your greenhouse investment. Here’s how:
We know your industry
We understand the construction of your structures and the materials you use
We design a coverage solution based on your individual needs
We can help you with quick and quality post-damage recovery
“Hortica has provided Tagawa Greenhouses with reliable business protection–protection that other companies failed to give."
Every greenhouse faces the threat of hail, lightning, high winds, and tornadoes. And, depending on where you are, there’s the danger of hurricanes, and heavy snow. We’ll be there when property damage happens and help you minimize losses.
Whether it’s flowers or plants, your crop could be put in jeopardy if a climate control system fails. We offer crop insurance for plants grown in climate-controlled structures. You can even protect your future crop income if you can’t plant due to damage.
Hoses, wet floors, and ladders are commonly found around greenhouses and can lead to costly injury and workers’ compensation claims. That’s why we work with you to minimize the risks around your workplace to help keep employees and customers safe.
Devastating fires to greenhouse property are sometimes caused by poor or deteriorating electrical connections and wiring. A very specialized and valuable service we provide is the use of thermal imaging to identify any possible electrical problems.
When equipment breaks down, it can mean weeks of lost productivity. This coverage can help reduce your costs and get you back to work sooner.
Commercial property insurance isn’t all we provide. From commercial auto and workers’ compensation to liability insurance and loss prevention, we can help you protect your investment and the future of your business. All are standard products we provide in our greenhouse growers programs.
Unexpected property loss or damage is almost inevitable—whether it’s from fire, storm damage, theft, or breakdowns. You can customize your commercial property insurance coverage based on your buildings, equipment, inventory, income, and other exposures.
Lawsuits following slips, trips, and falls are a significant threat to your bottom line and reputation. Greenhouse liability insurance can help you protect your business if someone is injured at your location, or if you sell a defective product that causes injury or property damage. It can also include cyber liability coverage to help protect against losses if your customer data and financial records are compromised.
Deliveries and transporting equipment are typical day-to-day activities for horticultural businesses. If your employees get into an accident during work-related activities, your business can be sued for damages. Commercial auto insurance can help cover losses related to accidents that happen when you're using a vehicle for your business.
Protecting your employees after an on-the-job injury is important. So is protecting your business from litigation. Greenhouse workers’ compensation coverage can help cover medical and related expenses for your employees who are injured while working.
This optional coverage picks up where your standard liability policy coverage ends. It provides an extra layer of coverage that can help protect your business in the event of a catastrophic liability loss or a major judgment against you or your company.
These are just some of the insurance coverages we offer. Connect with an agent to learn more.
Greenhouse insurance is designed to help protect your business and workers, whether you grow under glass, polycarbonate, plastic, or acrylic; produce potted plants, vegetables, or specialty cuts; or sell plugs or finished products.
Storm damage, crop losses, electrical fires, and equipment failure are some of the biggest risks you face. Proper insurance coverage can help protect your business from financial dangers.
Cost will depend on the type and amount of coverage you need. We'll work closely with you to find appropriate insurance coverages for your greenhouse business.
From the beginning of the quote process, you’ll learn that our understanding of your structures and their construction helps ensure you get the proper coverage and quick repairs if there’s ever a claim.
