We’ll help you protect your floral business.
We have:
More than 135 years of experience insuring floral businesses
Insurance products designed specifically for the floral industry
Knowledgeable agents who guide and provide customized solutions
What sets us apart?
Retail florists
Wholesale floral distributors
Event florists
One-person shop or multiple designers
Own or rent business space
Together, we’ll discuss your unique risks and tailor an insurance plan that makes sense for your business.
Get tailored coverages for your floral business
Common risks to insure
Inventory loss
Delivery accidents
Customer injury
We’ll help you avoid hazards with our safety and risk management programs.
We offer resources to help you plan and provide the necessary safety, fire, and accident prevention training for your employees. It’s all part of the service we provide to our customers.
Coverages to protect your floral business
You have to keep track of everything at your shop—inventory, equipment, customers, employees. Let us help with your insurance coverage.
Commercial property
General liability
Commercial auto
Workers’ compensation
FAQs
Florist insurance is designed to help protect your business income and workers—whether the majority of your sales are from wire services or walk-in customers, you own your building or rent, or you have multiple designers or are a one-person florist shop.
Loss of inventory, property damage, delivery accidents, and workplace liability are some of the biggest risks you face. Proper insurance coverage can help protect your business from financial dangers and professional indemnity.
Property insurance is just the beginning of your coverage considerations. We can help you protect your investment and the future of your business. From liability coverage and workers’ compensation to auto insurance, we have a variety of products to help insure your future.
Cost will depend on the type of coverage and limits. We'll work closely with you to find appropriate insurance coverages and create a customized plan for your business.
Yes. Hortica is a brand of the Sentry Insurance Group, which has earned an A+ (superior) AM Best* rating for more than 30 straight years. Fewer than 10% of U.S.- based property and casualty insurance companies earn the A+ rating—even less have achieved it for three straight decades.
*Sentry has an AM Best Financial Strength Rating (FSR) of A+ (superior), current as of June 2023. See ambest.com/ratings/guide.pdf for rating information.
What our customers say about us
"Every time I have a question or concern, someone is there to answer my questions, solve my problems, or reassure me that we’re covered."
“You honestly are one of the few companies that we deal with that gets it right every time.”
"Since becoming a customer with Hortica, communication has always been clear, thorough, and quick."