Garden center insurance

Protect the business you’ve worked hard to create

All business types

Garden centers

What matters most to you, matters to us

We provide protection you can count on

You count on keeping your garden center operating at its fullest to ensure your livelihood. Count on us to help protect it. We have more than 130 years of experience in the horticultural industry. We not only understand your business, we know construction and materials, allowing us to help you with quick and quality post-damage recovery. We can also provide you with safety services to help you avoid or reduce the risks of accidents at your business.

“We love Hortica. Hortica has always been there for us. We’ve been a customer for over 60 years.”

Kinsch Florist & Garden Center

Knowing the hazards

The need for garden center insurance

Risk management comes in many forms

Crop losses

Whether it’s flowers or plants, your crop could be put in jeopardy if a climate control system fails. We offer coverage for plants grown in climate-controlled structures. Also, protect your future crop income if you can’t plant due to damage.

Storm damage

Every nursery and garden center faces the threat of hail, lightning, high winds, and tornadoes. And, depending on where you are, there’s the danger of hurricanes, and heavy snow. We’ll be there when damage happens and help you minimize losses.

Equipment breakdown

When equipment breaks down, it can mean weeks of lost productivity. This coverage can help reduce your costs and get you back to work sooner.

Slips, trips, and falls

Slips, trips, and falls are just some of the hazards your employees face each day on the job. We’ll work with you to reduce hazardous conditions to help prevent losses through inspections, engineering efforts, and training.

A woman buying a plant at a checkout counter

Customer liability

On-site sales are important at a garden center. So is making sure your customers stay safe while shopping. We can help you analyze your risks and find the type of insurance coverage that’s right for you.

A man standing near plants talking on a phone

Theft

Theft of equipment is one of the most common losses a garden center suffers. You might think you have protected your equipment, but thieves are resourceful. If they do manage to steal something, we can help you pay the cost of a replacement.

Crop losses

Storm damage

Equipment breakdown

When equipment breaks down, it can mean weeks of lost productivity. This coverage can help reduce your costs and get you back to work sooner.

Slips, trips, and falls

Customer liability

Theft

Coverages

The insurance products you need

We offer a variety of coverage options 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 to personal insurance, we have a variety of products to help insure your future.

Commercial property

The right property coverage is more than risk management for your building, equipment, and income—it’s about trust and experience. We offer both.

Guide to commercial property

General liability insurance

We can help protect your business from losses caused by your services, operations, or workers, allowing you to focus on running your business.

Guide to general liability

Commercial auto

Deliveries and transporting equipment are important parts of your company. We’ll help you find the right auto coverages for your business.

Guide to commercial auto

Workers’ compensation coverage

Protecting your employees after an injury is important. So is protecting your business from litigation. We can help you do both.

Guide to workers’ compensation

Umbrella coverage

Umbrella liability insurance picks up where your standard liability policy coverage ends. We can give you an extra layer of protection that can also include auto liability and general liability.

Guide to umbrella coverage

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.

See all insurance products