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Garden center insurance

Help protect your assets with garden center business insurance

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Garden centers

Customized garden center insurance to help you grow

Coverages, service, and knowledge you can trust

You count on keeping your garden center operating at its fullest - especially during your high seasons. Count on us to help protect your business with appropriate coverages and service. We have more than 135 years of experience exclusively serving the horticultural industry.

We know how to help protect you, your garden center, and your employees:

  • In the greenhouse

  • On the road

  • On the jobsite

  • In your retail store

  • Online

"I feel Hortica knows the greenhouse floral industry better than any other insurance company and has always given me excellent coverage at a very good price."

Mark, customer
Redmond, Washington
Knowing the hazards

Why do I need insurance for my garden center?

Common garden center risk exposures

Whether you’re a single-location independent, family-owned garden center, or have multiple locations with separate growing and retail facilities, you face similar risks every single day.

Greenhouse under a stormy sky

Storm damage

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

Plants in a garden center

Crop losses

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

Man driving garden equipment

Equipment breakdown

Most garden centers have expensive equipment on hand, including tractors, watering systems, heating and cooling units, and other vital equipment. When your equipment breaks down, it can mean weeks of lost productivity. We can help you reduce your costs and get back to work sooner.

Man loading plants on to a truck

Slips, trips, and falls

Slips, trips, and falls are just some of the common injury hazards your employees face on the job. We'll work with you to identify and eliminate hazardous conditions to help prevent losses through inspections, engineering efforts, and training.

Woman making a purchase at a garden center

Customer liability

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

Garden center owner talking on the phone and working on a computer

Theft

Equipment theft is one of the most common losses garden centers experience. You may think you’ve protected your equipment, but thieves are resourceful. If they do manage to steal something, we can help you cover the cost of a replacement.

Coverages

What types of insurance coverages do I need for my garden center?

Key coverages help protect your buildings, vehicles, and employees

Property insurance is just the beginning of our garden center business insurance coverage. We can help you protect your investment, covering your employees, customers, equipment, plants, and inventory. In the event of a catastrophe or disruption, garden center insurance can play a vital role in your business’s recovery.

greenhouse with plants

Commercial property insurance

Unexpected property loss or damage is almost inevitable—whether it’s from fire, storm damage, theft, or breakdowns. You can customize your commercial property insurance coverage based on your buildings, equipment, inventory, income, and other exposures.

Guide to commercial property
green shield with purple flowers

General liability insurance

Lawsuits following slips, trips, and falls are a significant threat to your bottom line and reputation. Liability insurance can help you protect your business if someone is injured at your location, or if you sell a product that is defective and causes injury or property damage. It can also include cyber liability coverage to help protect against losses if your customer data and financial records are compromised.

Guide to general liability
tree-lined road

Commercial auto insurance

Deliveries and transporting equipment are typical day-to-day activities for flower businesses. If you or your employees get into an accident during work-related activities, your business can be sued for damages. Commercial auto insurance can help cover losses related to these types of accidents.

Guide to commercial auto
Employee badge with a medical cross.

Workers' compensation coverage

Protecting your employees after an on-the-job injury is important. So is protecting your business from litigation. Workers’ compensation coverage can help cover medical and related expenses for your employees who are injured while working.

Guide to workers' compensation
umbrella and rain drops

Umbrella coverage

This optional coverage picks up where your standard liability policy coverage ends. It provides an extra layer of coverage that can help protect your business in the event of a catastrophic liability loss or a major judgment against you or your company.

Guide to umbrella coverage

More insurance coverages

These are just some of the nursery and sod farm insurance coverages we offer. Connect with an agent to learn more.

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Garden center insurance FAQs

Garden center insurance helps protect your business and workers, whether you offer landscape services or not, grow your own plants or buy them for resale, or operate from a retail store or greenhouse.

Crop damage, storm damage, equipment failure, and workplace liability are some of the biggest risks you face. Proper insurance coverage can help protect your business from financial dangers.

Cost will depend on the type and amount of coverage you need. We'll work closely with you to find appropriate insurance coverages for your business.

How Hortica helps

Why choose us for garden center insurance?

Industry knowledge sets us apart

Industry knowledge, reputation, and specialized services should all be taken into account when choosing an insurance provider.

We’ve been exclusively serving the horticultural and floral industries for more than 135 years. Along with garden centers, that includes greenhouse growers, nurseries, florists, and landscapers. We’ll be there for you with coverages that matter and support that makes a difference. We have the experience and knowledge to assess risks horticultural businesses like yours face, and offer crop insurance for plants grown in climate-controlled structures.

Why choose Hortica
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"I’ve been a Hortica customer since 1984 and when I’ve had to file a claim, whether it was workers’ compensation or property damage and loss, they’ve always responded quickly and professionally."
Richard, customer
Dorchester, Massachusetts
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Find your horticultural insurance

Coverage specifically designed for your business

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