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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

We're here for you

“Our companies have been insured by Hortica for well over 100 years. It has always been an outstanding experience and an outstanding relationship.”

Lee, customer
Richmond, Indiana

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Insuring your business

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Review coverages

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

Browse all coverages
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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
1887
Since 1887, we’ve helped protect the horticultural industry.
We understand how your business is different.
$10.4B
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
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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

Greenhouse
Coverages6/2/2025

Your guide to greenhouse insurance

The commercial greenhouse industry faces unique risks, from storm damage and electrical fires to crop losses and equipment breakdowns. Some locations are more susceptible to these risks. That’s why greenhouse insurance isn’t one-size-fits-all. Review coverage options in this greenhouse insurance overview.
Link to article
sun setting with greenhouse
Loss control5/22/2025

Protecting your greenhouse in higher-risk areas: 6 risk management strategies

This guide covers essential risk management strategies for protecting greenhouses in higher-risk regions—from structural maintenance to financial preparedness. Stay proactive and help secure your investment.
Link to article
man securing back bed of truck
Employees5/6/2025

Why driver safety training for new hires is essential in the horticulture industry

A well-trained fleet is key to helping reduce accidents and creating a culture of safety. This guide explores how to implement best practices for new-hire driver safety training.
Link to article
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