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Workers’ compensation insurance

We know horticultural insurance

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What is it?

Explaining workers’ compensation insurance coverage

Help for your employees after injuries

There's always at least some level of risk when workers use implements and tools, work with soil and water, or lift heavy or bulky plants or supplies. If you have employees who work in these or other horticultural tasks, you'll want to consider workers’ compensation insurance benefits. It pays for medical expenses and lost wages when a worker is injured in the scope of their employment. It’s important to note that depending on the number of employees you have, workers’ compensation insurance is required in most states.

Workers’ compensation coverage is another way we can help you protect your business with risk management.

We understand the challenges and risks you face in the horticultural industry and can provide you a workers’ comp insurance plan that’s right for your business.

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Preferred providers

Getting good, affordable medical care is important to everyone. That’s why in many states, we’ve selected preferred provider panels. These providers deliver excellent, cost-effective medical care with the goal of getting injured workers back to work as soon as possible.

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Nurse case managers

Whether it’s a cut finger while making a floral arrangement, or a back injury on the job site, all work-related accidents are different. Our nurse case managers examine the medical bills and information and determine the necessity of the proposed treatment plans. Managers also coordinate plans to get an employee back to work quickly.

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Loss control experts

We know how important it is to look down to avoid tripping over a watering hose—and to look up to keep from running into a hanging basket. Our loss control and safety programs help keep your business safe and profitable. We identify safety hazards and conduct industry-specific safety training programs. We’ll also help you develop safety plans tailored to your operation.

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Pay-as-you-go premiums

We understand that the horticultural industry is seasonal. Growing, harvesting, and selling can happen at different times of the year. As a result, your income can fluctuate. That’s why we offer pay-as-you-go options for your premiums.

Workers’ compensation insurance FAQs

Workers’ compensation insurance helps your employees after illness or injury. It also protects your business from litigation. Purchasing workers’ compensation insurance is legally required for businesses with a certain number of employees in most states.

This insurance can help protect you against liability incurred as a result of an employee injury on the job, including:

  • Injuries

  • Illnesses

  • Disabilities

  • Death

Cost depends on the type of policy you have and its coverage limits. We’ll work with you to help determine the proper commercial business liability coverage for your company.

Who needs it?

Do you need workers’ compensation insurance?

Protect your business from workplace injuries

Purchasing workers’ compensation insurance benefits is legally required for businesses in most states. We know you want to help protect your employees and independent contractors after an illness or job-related injury. You also want to protect your business from litigation. To do that, we’ll help design a custom workers’ comp insurance plan with your business in mind.

Our understanding of the horticultural industry allows us to provide workers’ compensation insurance that will help protect your bottom line and all you've worked for.

How it works

Workers’ compensation protects in several ways

Both coverage and prevention

When a work-related injury does occur, we’re ready to promptly provide your injured employee with high-quality medical care and replace lost wages. We go further, however, by helping you and your workers avoid workplace injuries and accidents in the first place.

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Cultivate green thumbs, not black and blue thumbs.

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Minimize risks with proper training

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Get injured employees back to work faster

Why choose Hortica?

Insurance tailored to the horticultural industry

Count on our stability, service, and experience

Since 1887, we’ve provided insurance policy solutions for horticultural businesses. We understand the unique needs of the industry and offer specific products and services for: 

  • Garden center

  • Greenhouse grower

  • Landscaper and plantscaper

  • Nursery or sod farm

  • Retail/wholesale/event florist

Why Hortica

Need insurance now?

We’ll help you find the right coverage.

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Other insurance products

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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.

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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.

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See all coverages