Insurance for Greenhouse Growers
- Grow under glass, polycarbonate, plastic or acrylic
- Produce potted plants, vegetables or specialty cuts
- Sell plugs or finished products
Let’s talk about protecting the growth of your business. A Hortica agent will guide you in designing a comprehensive plan to protect the solid business foundation you have built.
You’ll learn how we can provide protection for:
- Greenhouses and crop
- Equipment breakdown for boilers and generators
- Crop spoilage due to power or equipment failure
- Your most valuable asset – your employees
Although we don’t know for certain when the first greenhouse was built in this country, we do know in 1887 the Florists’ Hail Association of America was founded to protect glass greenhouses from hail damage. Hortica Insurance & Employee Benefits is the great grandchild of Florists’ Hail, the first insurance association that protected greenhouse owners from loss to this significant peril.
Today, many of those who own a greenhouse are familiar with Hortica, but we still find the need to introduce ourselves to those newer in the business, and re-introduce ourselves to some who may have forgotten we have exclusively insured the horticultural industry since the late 1800’s.
We don’t have to seek out businesses who have been disappointed by companies that express expertise in greenhouse insurance coverage or don’t deliver when claims occur. Those business owners know who to call, they call Hortica.
The Hortica difference begins with our knowledge of greenhouse materials and construction. Hortica has an engineer on staff that also sits on the board of the National Greenhouse Manufacturers Association (NGMA). We reward superior construction and engineering with our best rates. Many companies classify greenhouses as farm outbuildings. We know the different costs and performance characteristics of polyethylene cover, versus glass, polycarbonate, acrylic etc. We understand that gutter connected and Quonset style houses react differently in wind and snow.
From the beginning of the quote process, new prospective customers learn Hortica is different. Our agent visits the site to inspect the construction and condition of the structures. As part of our greenhouse insurance quote process, we suggest replacement cost values that reflect current construction costs and special equipment values.
For many years, Hortica has led the way with innovative insurance for greenhouse growers. You can purchase coverage for your crop grown in controlled climate structures. You can protect your income from a lost crop. You can even protect your future crop income if you can’t plant due to damage to your greenhouse.
The real difference comes if you suffer damage to your greenhouse. Our claims adjusters have seen it all when it comes to types of loss and damage. Hortica has long standing relationships with greenhouse equipment manufacturers, suppliers and contractors. They love to work with us because we understand what they need to get things up and running after an incident.
Property insurance is not all we do. Greenhouse growers have need for workers compensation, general liability insurance, commercial automobile, mechanical electrical breakdown coverage, and commercial umbrella insurance. All are standard products Hortica provides in our insurance for greenhouse growers programs. In addition, we have access to specialty products and employee benefits programs through partnerships with other insurance companies.
Loss prevention is a value-added service to our customers. Just like our agents and adjusters, our loss control and safety specialists also focus solely on the issues of running a greenhouse business. Specialized training and materials in Spanish and English provide resources for safety meetings and local training requirements. Need help with accident analysis? A Hortica loss control specialist can show and explain the causation of worker injuries and automobile accidents.
Hortica’s attention to the greenhouse grower industry brought to light that many devastating fires to greenhouse property are caused by poor or deteriorating electrical connections and wiring. A very specialized and valuable service our reps provide is the identification of electrical problems with the use of thermal imaging. Quick and inexpensive repairs can be made on the spot when electrical “hot spots” are identified visually on special infrared cameras. When it comes to fires in a greenhouse you want to buy insurance, and you never want to have to use it. But when you do need to use it, having a Hortica specialist working with you makes everything easier.