Whether your specialty is growing stock nursery plants or installing sod, we want to use our more than 135 years of experience in the horticultural industry to help you protect your nursery business. From transportation accidents to equipment theft and work-related injuries, our customized coverage and safety services can help protect you and your employees.
“You go to other insurance providers—they have no clue about what you're talking about. We got with Hortica, and they were able to understand our needs and our wants.”
Your flowers, trees, or sod could be put in jeopardy if a climate-control system fails. We offer policy coverage for climate-control equipment and storm damage, as well as future gross income loss from missed crop cycles due to damage.
You and your employees use delivery vehicles, tractors, and other equipment at your business each day. To help ensure safe operation, we can guide you in the hiring and training of drivers, as well as the training and certification of forklift operators.
Your equipment and tools are essential to your ability to generate business income. If something were to happen to them off your premises, this helps cover the replacement cost for damaged or destroyed items.
Equipment theft is one of the most common losses for nurseries and sod farms. You might think you’ve protected your equipment, but thieves are resourceful. If they do steal your equipment, we can help you pay for a replacement.
Paying attention to safety can help you reduce controllable costs. But how do you make sure your employees work in a safe manner? We can help you reduce the risks to your workers by offering effective safety training programs, as well as educational materials.
From commercial property insurance to workers' compensation and liability, we can help you protect your investment and the future of your business.
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.
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 defective product that 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.
Deliveries and transporting equipment are typical day-to-day activities for your nursery businesses. If your employees get into an accident while driving for work-related activities, your business can be sued for damages. Commercial auto insurance can help cover losses related to accidents that happen when you or your employees use a vehicle for your business.
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 costs and other related expenses for your employees who are injured on the job.
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.
These are just some of the nursery and sod farm insurance coverages we offer. Connect with an agent to learn more.
Nursery or sod farm insurance is designed to help protect your business whether you grow in the field or containers, sell bare root stock or fully rooted plant material, brand your own sod, provide installation services, or sell direct or through distributors.
Crop losses, equipment damage, theft, and jobsite accidents are some of the biggest risks you’ll face. Proper insurance coverage can help protect your business following these and other covered losses.
Your premiums will depend on the type and amount of coverage you need. We’ll work with you to help determine the coverages that make sense for your operations, and create a customized insurance plan for your business.
From the beginning of the nursery insurance quote process, you’ll see how Hortica is here to serve you. We’ll work hard to learn about your business and its operation to help ensure you get the proper coverage and quick repairs if you’re involved in a claim.
