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Insurance Solutions… a necessity to help maintain your success and protect your business for the future.

Since 1887, Hortica Insurance & Employee Benefits has provided insurance solutions for horticultural industry businesses and is the only U.S. insurance company solely dedicated to greenhouse growers, nurseries, garden centers, interior plantscapers, retail florists, wholesale floral distributors, landscape and lawn care professionals and sod farms. Backed by our years of experience and industry expertise, we’ll work with you to develop a plan that meets your specific needs.

Hortica is a national company uniquely focused on the horticultural industry, making us the trusted partner for insurance solutions for more than 128 years. No need to explain the horticultural industry or its risks to Hortica, just tell us about your business and we will design a plan that works for you.

Hortica offers a variety of insurance products and services that will protect your bottom line, including:

  • Property & Liability Insurance
  • Automobile Insurance
  • Workers’ Compensation
  • Excess Umbrella
  • Personal Insurance
  • Health / Life / Disability
  • Loss Control & Safety On-site Consultations
  • Thermographic Inspections
  • Customized Safety Presentations / Webinars
  • Annual Claims Analysis
  • Access to Loss Control & Safety Training Material
  • Personalized Customer Service
  • Prompt Claims Handling

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Hortica is a mutual insurance company owned by our policyholders and elects respected industry leaders to its Board of Directors. Our employees are insurance professionals who understand the unique risks and needs of horticultural businesses nationwide. Their expertise is gained through training and many years of experience servicing this industry.


Hortica actively participates and supports many national and state industry associations including AmericanHort, Master Nursery Garden Centers, Society of American Florists, Association of Professional Landscape Designers, Professional Landcare Network, American Floral Endowment, Horticultural Research Institute and National Greenhouse Manufacturers Association. These relationships have enabled us to strengthen our knowledge and develop ongoing insurance solutions for our insureds.


Hortica’s commitment to and involvement with the horticultural industry and insurance industry is priceless to our policyholders…and us. We strive for continuous access to industry happenings and knowledge of any potential risks affecting our customers to keep us fresh and innovative. Our contributions support research, governmental relations, educational scholarships, industry education programs, and innovative solutions to industry concerns. Theses activities directly improve the profitability and development of horticultural industry businesses and organizations.


Hortica also understands our success is directly tied to the success of both the horticultural industry and the businesses we insure. We are proud that 25% of our policyholders have been with us for more than 25 years.


When it comes to protecting your business, not all insurance companies were created equal. Partner with a company who has over 128 years of industry knowledge and expertise, and one that has positioned itself for growth for many years to come. For comprehensive insurance solutions and protection for your business, choose Hortica.