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. 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.
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.
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.
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.
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.
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.
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.
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.