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Landscaper or plantscaper insurance

Protect what you've worked so hard for

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Landscapers/plantscaper insurance

Insurance coverage to help protect your business

We understand your industry

Whether it’s with one landscaping and lawn crew or many, you’re designing and building projects outdoors or bringing the beauty of plants indoors. We want to use our more than 130 years of experience in the horticultural industry to help you protect your landscaping or plantscaping business. Our knowledge allows us to understand the challenges you face so we can provide customized coverage and safety services to help you avoid or reduce the risks of accidents on the job.

"Our experience has been stellar utilizing the expertise at our fingertips for over 25 years."

Chris, owner
Raimondi Horticultural Group, Inc.
Understanding the risks

Protecting your landscaping or plantscaping operation

We know the concerns you have

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Jobsite dangers

Safety is important in the workplace. But how do you make sure your employees know what to do? We can help you establish effective training programs, as well as provide safety training and materials that’ll help reduce the risks to your workers.

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Customer liability

Property damage while doing landscaping, setting up displays in homes or businesses, or even lawn care is always a concern. We can help you analyze your risks and find the type of insurance coverage that’s right for you.

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Equipment breakdown

From large equipment to heavy loads of dirt, rock, or planters, there are a number of hazards on a jobsite. An accident can lead to costly injury or workers’ compensation claims. We’ll work with you to minimize your risks.

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Work errors

You’ve planned out the design, you’ve gathered the materials, but something goes wrong with the execution of the job. Your customer is upset and wants compensation. We have coverages that can help you with any errors or omissions issues.


The insurance products you need

We offer a variety of protections 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 ensure your future.

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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
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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
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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
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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
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Professional liability insurance

Protect your business from executive risks, errors and omissions claims, and guarantee bonds. We have coverages specific to your business.

Guide to professional liability

More insurance coverages

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

See all insurance products

Landscaping and plantscaping insurance FAQs

Landscaping insurance is designed to help protect your business and workers whether you have one crew or many; focus on residential jobs, commercial work, or both; or handle simple installations or complex design and build projects.

Property damage, equipment breakdown, jobsite injuries, and work errors 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 you need. We'll work with you to find the right kind of insurance for your business.

How Hortica helps

What makes us different

Industry knowledge sets us apart

From the beginning of the insurance quote process, you’ll experience quality service from Hortica. Our understanding of your business and its operation allows us to help get you the proper coverage and quick repairs if there’s ever a claim.

Why choose Hortica
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"I’ve been a client since 1984. When I’ve had to file a claim, whether it was workers’ comp or property damage, they’ve always responded quickly and professionally."
Richard, customer
Dorchester, Massachusetts
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Find the right insurance

Coverage specifically designed for your business

Request a quote