Find insurance coverage with your business in mind

Select a business to learn how Hortica helps protect it

Flowers on a shelf

Garden centers

We have coverages to help protect your business property—and your business. Property and liability coverage are just the start.

Learn more about garden center insurance
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Greenhouse growers

We can help protect your horticultural structures, crops, and machinery.

Learn more about greenhouse insurance
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Nurseries or sod farms

Crops, coolers, equipment. Damage to any of these items can be disastrous to your business. We have ways to help protect your livelihood.

Learn more about nursery or sod farm insurance
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Retail/wholesale/event florists

You have to keep track of everything at your shop—inventory, equipment, customers, employees. Let us help with insurance coverage.

Learn more about florist insurance
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Landscaping business or interior plantscapers

Your business is different. You face personal and property damage risks. We have the specialized coverages that’ll help protect you and your lawn care or plantscaping business.

More on landscaper/plantscaper insurance

Own another horticultural business?

Your line of work not listed here? Tell us about your unique business. Together, we'll find the coverages you're looking for.

Let's connect
Two Hortica employees looking at flowers in a greenhouse
We were very fortunate to have good coverage, good agents, and a good company behind us."
Jim, ownerTimbuk Farms
See Jim's story

Advocating for the floral and horticultural industry

We don’t just provide insurance coverage. We also offer you our knowledge and experience from across the industry. We specialize in serving horticultural businesses and building partnerships.

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Giving back

We’re proud to support research, scholarships, and industry innovations, while partnering with a number of national and state associations.

HOMS - Business Types - Loss Control

Loss control

We have a variety of loss control and safety resource materials tailored to help you have a safer and more successful business.

Explore resources
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Learn about our insurance solutions

We offer a variety of insurance products and services that’ll help protect your income, your business, your employees, and your future.

Explore insurance coverages
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Need horticultural business insurance now?

Talk with our knowledgeable representatives and they’ll help you find the right coverage options for your business.

Request a quote

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
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During tough times, we can help

Let us be there for you, too

  • Quality insurance coverage

  • Quick claims resolution

  • Personal service

Contact us
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