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Understanding HortAdvantageHome coverage and how it helps protect your business and personal property

Yard with flowers and shrubsIt’s not uncommon for a garden center, greenhouse, or nursery owner to have their personal residence on the same property as their business. If that’s your situation, protecting your personal property is a little easier thanks to a special coverage plan from Hortica.

HortAdvantageHome is designed for growers with personal residences located on commercial property—whether it’s owner-occupied or non-owner occupied. It’s an endorsement to the business insurance policy you already have, and provides coverage for your dwelling, contents, and any loss of use. Personal liability coverage is also available. HortAdvantageHome is intended for:

  • Owners or managers living on the business premises
  • Risks typically not eligible for standard homeowners due to the mix of commercial and personal liability exposures

With HortAdvantageHome, the following protections are available:

  • Coverage for homes ranging from $200,000–$2 million
  • Liability coverage (including personal liability) of $1 million/$2 million

HortAdvantageHome is currently available in the following states: Illinois, Indiana, Kentucky, Massachusetts, Michigan, Minnesota, New Jersey, Ohio, Pennsylvania, Tennessee, and Wisconsin. Starting in September 2019, it’ll also be available in Connecticut and Maryland.

This is another way we can help protect all that you’ve worked for. If you have questions about this or other aspects of your business insurance coverage, we’re here to help.

Related links:

For more information on protecting your business, check out the Hortica Resources section.

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