Garden center insurance

Protect the business you’ve worked hard to create

Garden centers
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We provide protection that helps 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.”

Redmond, Washington

Knowing the hazards
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Garden center risk exposures

We know the potential hazards you face

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.

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Key coverages for your garden center

We offer appropriate coverage options for you

Property insurance is just the beginning of our 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 large role in your business’s recovery success.

Garden center insurance FAQ's

  • What is garden center insurance?

    Garden center insurance is designed to help protect your business and workers whether you provide landscape services or not; grow plants or buy from others to sell; or operate from a traditional retail store or have greenhouses.

  • What are the biggest risks for garden centers?

    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.

  • How much does garden center insurance cost?

    Cost will depend on the type of coverage and limits. We'll work closely with you to find appropriate insurance coverages for your nursery or greenhouse.

How Hortica helps

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What makes us different

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 industry for more than 135 years. 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.
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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."


Dorchester, Massachusetts

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Find your horticultural insurance

Coverage specifically designed for your business

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