SMALL PHONE
PHONE
TABLET
DESKTOP
LARGE DESKTOP
XL DESKTOP
Outside image of the Hortica building

About Hortica

Insurance coverage with your business in mind

Request a quote
Who we are

We offer insurance solutions for horticultural industry businesses

We'll help protect you, your business, and your employees

Since 1887, we've helped protect horticultural businesses like yours across the United States. Our goal is to guide and provide insurance solutions for greenhouse growers, nurseries, garden centers, retail florists, wholesale floral distributors, interior plantscapers, sod farms, and lawn care professionals.

As a brand of the Sentry Insurance Group, one of the largest and most financially secure mutual insurance companies in the nation, we provide our policyholders assurance that we’ll be there for them now and in the future.

Recent news

Stay up to date and see what’s new at Hortica

AM Best Rating
Company news7/28/2025

Sentry Insurance maintains A+ rating from AM Best*

AM Best points to Sentry’s capital, balance sheet strength, and the diversity of its business lines as reasons for the rating. Hortica is a brand of the Sentry Insurance Group.
Link to article
Pesche Kurt Penn representative talking with a Hortica representative in a greenhouse with flowers
Industry insights11/1/2024

A safety consultant’s guide to greenhouse risks: Inside Grower

Zach Bruces shares first-hand safety inspection tips from his years as a safety consultant.
Link to article
Timbuk Farms and Hortica representatives walking through a greenhouse
Industry insights10/12/2024

How to evaluate your greenhouse insurance for 2025: Greenhouse Grower

As renewal season approaches, Traci Dooley shares how changes to your business could impact your coverage needs.
Link to article
Visit newsroom
Three men having a conversation

Serve horticultural customers? Work with Hortica

Interested in becoming appointed?

We distribute our products through direct agents and select independent agents and brokers. We’re eager to find and support agents with experience and deep knowledge of horticultural industries. If you work with greenhouses, retail florists, sod growers, and other segments of the horticultural industry, we should talk.

Learn more

Our horticultural industry affiliations

Our dedication to the horticultural industry is proven. Through our support of research and scholarships, and relationships with government officials, we help promote innovative solutions to industry concerns. We’re proud to be affiliated with many national and state associations, including:

  • AmericanHort

  • Association of Professional Landscape Designers (APLD)

  • Master Nursery Garden Centers (MNGC)

  • National Association of Landscape Professionals (NALP)

  • Society of American Florists (SAF)

  • Wholesale Florist & Florist Supplier Association (WF&FSA)

Two woman having a conversation

Career opportunities

Come grow with us.

If you enjoy helping others and working as part of a team, join us. You’ll find a professional culture here that fosters inclusion, respect, honesty, collaboration, and accountability. We strive to provide a positive work/life balance filled with personal and professional growth opportunities for all of our employees.

Explore our careers

Learning center

delivery driver holding a bouquet of flowers
Loss control11/24/2025

Driver fatigue: Prevention tips for drivers and business owners

Drowsy or fatigued driving poses serious risks for horticultural businesses and their employees. Learn the signs of fatigue and how you can help reduce related accidents among your drivers.
Link to article
woman pushing shopping cart full of potted flowers in a garden center
Coverages11/24/2025

Garden center insurance guide: What coverage does your business need?

Garden centers face distinct risks—from severe weather and equipment failure to customer liability concerns. Our garden center insurance guide outlines key insurance coverages that can help protect your business and keep daily operations running smoothly.
Link to article
florist assembling flowers
Coverages11/18/2025

Flower shop insurance explained: What business insurance do florists need?

From delicate stems in coolers to bulk floral shipments on the road—your florist business faces risks that go beyond the storefront. Our florist insurance guide breaks down key coverages to help protect your retail or wholesale operation year-round.
Link to article
See all