Florists insurance

We can help protect the business you've built


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We’re here to help protect your growing florist business

Find coverage options you can rely on

You count on keeping your floral shop operating at its best, but there’s always the concern over losing your product, having damage to your shop, or bodily injury to a customer or employee. We can help protect against those things. With more than 130 years of experience in the horticultural industry, we understand your business, allowing us to help you with quick, quality claims resolution and safety services to help protect your livelihood.
“I feel safe every evening leaving my little floral shop knowing that Hortica is here for me.”

Montgomery City, Missouri

Understanding the risks

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Insuring your floral operation

Know the hazards you face


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The insurance policy coverage you need

We offer a variety of coverages for you

Property insurance is just the beginning of what we offer. We can help you protect your investment and the future of your business. From liability coverage and workers’ compensation to personal insurance, we have a variety of products to help insure your future.

More insurance coverages

These are just some of the insurance coverages we offer. Talk with one of our representatives to find the protection that’s right for you.

Florist insurance FAQs

  • What is florist insurance?

    Florist insurance is designed to help protect your business and workers whether the majority of your sales are from wire services or walk-in customers, you own your building or rent, or have multiple designers or are a one-person shop.

  • What are the biggest risks for florists?

    Loss of inventory, property damage, delivery accidents, and workplace liability are some of the biggest risks you’ll face. Proper insurance coverage can help protect your business from financial dangers.

  • How much does florist insurance cost?

    Cost will depend on the type of coverage you need and the amount limits it covers. We’ll work with you to find the right kind of insurance and create a customized insurance plan for your business

How Hortica helps

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What makes Hortica different

Industry knowledge sets us apart

From the beginning of the quote process, you’ll learn our understanding of your business and its operation ensures you get the proper coverage and quick repairs if there’s ever a claim.
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I love how easy it is to get information from Hortica, and the response time is minimal. I also appreciate knowing that my shop is protected!


Prescott, Arizona

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Find the right type of insurance

Coverage specifically designed for your business

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