Plants in a greenhouse

Greenhouse growers insurance

Protect the solid business foundation you've created

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Greenhouse growers

What matters most to you, matters to us.

We provide protection you can count on

We’re here to help you protect your greenhouse investment. Here’s why:

  • We know your industry

  • We understand the construction of your structures and the materials you use

  • We design a coverage solution based on your individual needs

  • We can help you with quick and quality post-damage recovery

“Hortica has provided Tagawa Greenhouses with reliable business protection–protection that other companies failed to give."

Randy, customer
Tagawa Greenhouse Enterprises, LLC
The hazards you face

Why do greenhouses need insurance?

Risks to your greenhouse business come in many forms

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Storm damage

Every greenhouse 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 property damage happens and help you minimize losses.

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Crop losses

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

UC GreenhouseSlips 350x260 D

Slips, trips, and falls

Hoses, wet floors, and ladders are commonly found around greenhouses and can lead to costly injury and workers’ compensation claims. That’s why we work with you to minimize the risks around your workplace to help keep employees and customers safe.

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Electrical fires

Devastating fires to greenhouse property are sometimes caused by poor or deteriorating electrical connections and wiring. A very specialized and valuable service we provide is the use of thermal imaging to identify any possible electrical problems.

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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.


The insurance products you need

We offer a variety of coverages for you

Commercial property insurance isn’t all we do. From business auto and workers’ compensation, to liability insurance and loss prevention, we can help you protect your investment and the future of your business. All are standard products we provide in our greenhouse growers programs.

HOMS - Commercial Property Insurance

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
HOMS - GenLiability 150PX 600

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
HOMS - ComAuto 150PX 600

Commercial auto insurance

Deliveries and transporting equipment are typical day-to-day activities for horticultural businesses. If 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 accidents that happen when you're using a vehicle for your business.

Guide to commercial auto
HOMS - WorkComp 150PX 600

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
HOMS - Umbrella 150PX 600

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 insurance coverages we offer. Connect with an agent to learn more.

See all insurance products

Greenhouse insurance FAQs

Greenhouse insurance is designed to help protect your business and workers whether you grow under glass, polycarbonate, plastic, or acrylic; produce potted plants, vegetables, or specialty cuts; or sell plugs or finished products.

Storm damage, crop losses, electrical fires, and equipment failure are some of the biggest risks you’ll face. Proper insurance coverage can help protect your business from financial dangers.

Cost will depend on the type of coverage and 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

What makes us different

Industry knowledge sets us apart

From the beginning of the quote process, you’ll learn that our understanding of your structures and their construction ensures you get the proper coverage and quick repairs if there’s ever a claim.

Why choose Hortica
"They are very knowledgeable in our industry, and they share that knowledge with us, and they help us be a better company."
Martin, owner
Oregon Flowers
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Find the right insurance

Coverage specifically designed for your business

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