Pallet of sod

Nursery or sod farm insurance

Risk protection for your business

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Nursery/sod farm insurance

Insurance coverage you want

Trust us to help you

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 or sod farm. From transportation accidents to equipment theft and work-related injuries, we provide customized coverage and safety services to help protect you and your employees.

“Being the only insurance company solely dedicated to the horticulture industry brings peace of mind knowing they fully understand our business.”

Ann, President
Home Nursery, Inc.
Realizing the risks

Protecting your nursery or sod farm operation

We understand your concerns

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Crop losses

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.

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Vehicles and tractors

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.

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Equipment and tools

Your equipment and tools are essential to your ability to generate business income. If something were to happen to them off-premises, this helps cover replacement cost for damaged or destroyed items.

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Theft of equipment is one of the most common losses a nursery or sod farm suffers. You might think you have protected your equipment, but thieves are resourceful. If they do manage to steal something, we can help you pay the cost of a replacement.

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Jobsite risks

Paying attention to safety is one of the key ways companies reduce controllable costs. But how do you make sure your employees work safely? We can help reduce the risks to your workers by offering effective safety training programs, as well as educational materials.


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 success.

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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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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

Nursery or sod farm insurance FAQs

Nursery or sod farm insurance is designed to help protect your business whether you grow in the field 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 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.

What makes Hortica different

Industry knowledge sets us apart

From the beginning of the insurance quote process, you’ll learn Hortica is here to serve you. Our understanding of your business and its operation ensures you get the proper coverage and quick repairs if there’s ever a claim.

Why choose Hortica
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"I got a lot of positive feedback from your training session…your expertise is a real benefit to Conard-Pyle. Thanks again."
Lori, customer
Star Roses & Plants Companies/Conard-Pyle
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Find the right insurance

Coverage options specifically for your business

Request a quote