Close up of green plants

Find the right horticultural insurance for your business

We’ll be there when insurance coverage is needed most
Start the journey
Wholesale Florist & Florist Supplier AssociationAmericanHortSociety of American ForestersNational Association of Landscape ProfessionalsMaster NurseryAPLD
Wholesale Florist & Florist Supplier AssociationAmericanHortSociety of American ForestersNational Association of Landscape ProfessionalsMaster NurseryAPLD
Society of American ForestersAmericanHortMaster Nursery
Closeup of someones hands typing on a keyboard

Review coverages

Learn more about our insurance solutions designed to help protect your business.

Browse all coverages
A lady talking on phone while working at a flower shop

Get an insurance quote

Ready for the next step? Talk with our knowledgeable representatives.

Request a quote

Insurance solutions for horticultural businesses

We offer quality coverages and personal service

Our goal is to provide you the proper business insurance coverage and risk management you’re looking for. We’ll also work with you to reduce losses, operate a safe business, and provide prompt claim settlements.

Why choose Hortica
Timbuk Farms employees talking with a Hortica insurance representative
You have people that understand our business. You’re not talking to an adjustor that’s never done a claim before. You’re talking to someone that’s done it for 20, 30 years and knows our industry."
Jim, ownerTimbuk Farms
See the full testimonial
Since 1887, we’ve helped protect the horticultural industry.
We understand how your business is different.
The total insured value** of all property we help protect across the United States.
We're ready to help care for your unique business.
**December 2022
A+ rating
Backed by AM Best A+ (superior) Sentry Insurance*.
We have the financial stability to give you peace of mind.
Two Hortica employees looking at flowers in a greenhouse

We provide personalized agent service to our customers

You’ll experience fast, hands-on support

With more than 135 years of experience in the horticultural industry, our knowledgeable staff of adjusters and network of claims professionals creates a unique partnership between us and our customers, leading to exceptional service with affordable premiums.

Contact us
Outside photo of the Hortica building

Our business is based in the U.S., right in your neighborhood

We help protect 50 of the top 100 growers throughout the country

Headquartered in Edwardsville, Illinois, our nationwide network of representatives helps guide and provide insurance solutions for greenhouse growers, nurseries, garden centers, retail florists, wholesale floral distributors, interior plantscapers, sod farms, and lawn care professionals. We also actively collaborate with and support various national and state industry associations.

Learn more about Hortica

Learning center

Worker monitoring the health of potted trees
Business tips6/5/2024

Take advantage of the demand for sustainable products

Embracing sustainable practices within your floral organization—from farm to vase—can help strengthen your brand and increase your customer base.
Link to article
Tables decorated with floral arrangements for a wedding reception

Is your floral business covered for weddings?

As a florist, you know weddings can be a great additional revenue stream, but these events come with unique risks. Let’s review wedding risks and the insurance coverages that can help you if you suffer a loss.
Link to article
Horticultural employee talking on the phone why using a laptop computer
Loss control4/25/2024

Help protect your business from cyberattacks

Horticultural and floral industries are at risk from cyberattacks. From employee training to cyber insurance coverage, here are steps you can take to help mitigate the risk.
Link to article
See all