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Denise Smith

Lead Management Specialist

phone icon for hortica800-541-5082
Contact Denise
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About Denise Smith

Denise specializes in aligning potential customers nationwide with tailored insurance solutions. Her background in horticulture and agriculture, combined with more than 25 years of industry experience, gives her insights into the risks horticultural businesses face.

Denise is passionate about protecting and supporting this industry by helping businesses safeguard their crops, stock, and greenhouses. Outside of work, she enjoys reading, community volunteering, and DIY projects.

“I’m dedicated to helping protect horticultural businesses with insurance products tailored to their operations and their unique risks.”

Why work with Hortica?

Our associates are insurance professionals who understand the unique risks and trends of the industry and how they can impact your business. Together, we'll get to know your business and provide superior, cost-effective insurance solutions. That knowledge also helps us customize your coverage options and risk management opportunities.

We know your industry just like we know business insurance:

  • More than 135 years of protecting horticulture companies

  • Personable agents to guide you and provide customized insurance solutions

  • Insurance products designed for the horticulture and floral industries

1887
Since 1887, we've helped protect the horticultural industry.
We understand how your business is different and tailor our coverages to suit you.
A+ rating
Backed by Sentry Insurance, rated A+ (superior) by AM Best.*
Our financial stability gives you peace of mind.
$13.2B
The total insured value** of all property we help protect across the United States.
We're ready to help care for your unique business.
**February 2025

Our customers' stories

“We could get an insurance representative who knows business. But they don't know our business. That's where Hortica really steps in and makes such a difference in our business and our industry.”
Michelle Castellano, Vice President
Mellano & Company

A few of our products

Rows of plants in a greenhouse

Greenhouse insurance

We can help protect your greenhouse structures, crops, and machinery.

Learn more about greenhouse insurance
Flowers on a shelf

Garden center insurance

We have coverages to help protect your business property—and your business. Property and liability coverage are just the start.

Learn more about garden center insurance
Rows of flowers

Insurance for retail/wholesale/event florists

You have to keep track of everything at your shop—inventory, equipment, customers, and employees. Let us help with insurance coverage.

Learn more about florist insurance
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Need horticultural business insurance now?

Talk with our knowledgeable representatives and they’ll help you find the right coverage options for your business.

Request a quote

Still have questions?

Our customer page has more information and answers to some of the most frequently asked horticultural insurance questions we get. For an answer to a specific question, just fill out the form below with your information.

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