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Horticultural business insurance

You know your business. We know horticultural insurance.

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Commercial property insurance

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.

Guide to commercial property
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General liability insurance

Lawsuits following slips, trips, and falls are a significant threat to your bottom line and reputation. Liability insurance can help you protect your business if someone is injured at your location, or if you sell a product that is defective and 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.

Guide to general liability
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Workers' compensation coverage

Protecting your employees after an on-the-job injury is important. So is protecting your business from litigation. Workers’ compensation coverage can help cover medical and related expenses for your employees who are injured while working.

Guide to workers' compensation
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Commercial auto insurance

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.

Guide to commercial auto
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Umbrella coverage

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.

Guide to umbrella coverage
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Professional liability insurance

Protect your business from executive risks, errors and omissions claims, and guarantee bonds. We have coverages specific to your business.

Guide to professional liability
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Personal insurance

Your own home and vehicle also need insurance protection. Our insurance agency, Florists' Insurance Service, Inc., makes it easy and convenient to get insurance policies and coverages that go beyond horticultural business insurance.

Guide to personal insurance

Custom insurance for your business

Nursery and sod farm, greenhouse grower, or something else? Tell us about your business and we’ll find you the insurance coverage you’re looking for.

Select your business
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Are we going to get through this? This is big. Luckily, with Hortica insurance, we quickly realized we’re going to be alright.."
Jim, ownerTimbuk Farms
View Jim's testimonial

Protecting your business

We offer a full range of horticultural business insurance services. From quick claims service to providing safety checks of your business, we’re here to help with risk management and to insure your biggest investment.

Why choose Hortica
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Superior claims coverage

When you have an open claim, be assured that our claims team made up of industry specialists will handle it accurately and efficiently.

Learn about our claims process
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Safety services

Our safety services specialists will help you identify hazards, manage your risk, and aid in keeping your company and your employees safe.

Explore safety services
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Financial strength

As a brand of the Sentry Insurance Group, Hortica is part of one of the most financially secure mutual insurance companies in the U.S.

More on our financial strength
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Need insurance now?

We’ll help you find the right coverage.

Request a quote

Learning center

two people working in greenhouse pointing at plants
Business tips12/19/2024

5 trends shaping the horticulture industry in 2025

We’ve identified five key trends that will impact your business in 2025, including rising auto costs, cybersecurity risks, and climate change—with tips to help you adapt.
Link to article
two women working in floral shop
Employees12/18/2024

How to train your staff to make safety a top priority

Addressing daily hazards through regular training empowers your employees to work confidently and helps reduce accidents. A culture that values safety helps ensure your team and your horticultural business thrive.
Link to article
woman taking care of plants
Employees12/5/2024

Most common injuries for garden center workers—and how to avoid them

Explore crucial safety strategies for garden center workers, including methods to prevent falls and best practices for handling tools and chemicals.
Link to article
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