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Horticultural business insurance

You know your business. We know horticultural insurance.

HOMS - Commercial Property Insurance

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
HOMS - GenLiability 150PX 600

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
HOMS - WorkComp 150PX 600

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
HOMS - ComAuto 150PX 600

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
HOMS - Umbrella 150PX 600

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
HOMS - FC_ProfLiability_115PX_600

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
HOMS - FC_Personal_115PX_600

Personal insurance

Your own home and vehicle also need insurance protection. Our insurance agency, Florists' Insurance Service, Inc., makes it easy and convenient to get insurance policies and coverages that go beyond horticultural business insurance.

Guide to personal insurance

Custom insurance for your business

Nursery and sod farm, greenhouse grower, or something else? Tell us about your business and we’ll find you the insurance coverage you’re looking for.

Select your business
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Are we going to get through this? This is big. Luckily, with Hortica insurance, we quickly realized we’re going to be alright.."
Jim, ownerTimbuk Farms
View Jim's testimonial

Protecting your business

We offer a full range of horticultural business insurance services. From quick claims service to providing safety checks of your business, we’re here to help with risk management and to insure your biggest investment.

Why choose Hortica
People meeting at Timbuk Farms over their insurance claim

Superior claims coverage

When you have an open claim, be assured that our claims team made up of industry specialists will handle it accurately and efficiently.

Learn about our claims process
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Safety services

Our safety services specialists will help you identify hazards, manage your risk, and aid in keeping your company and your employees safe.

Explore safety services
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Financial strength

As a brand of the Sentry Insurance Group, Hortica is part of one of the most financially secure mutual insurance companies in the U.S.

More on our financial strength
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Need insurance now?

We’ll help you find the right coverage.

Request a quote

Learning center

Worker monitoring the health of potted trees
Business tips6/5/2024

Take advantage of the demand for sustainable products

Embracing sustainable practices within your floral organization—from farm to vase—can help strengthen your brand and increase your customer base.
Link to article
Tables decorated with floral arrangements for a wedding reception
Coverages5/29/2024

Is your floral business covered for weddings?

As a florist, you know weddings can be a great additional revenue stream, but these events come with unique risks. Let’s review wedding risks and the insurance coverages that can help you if you suffer a loss.
Link to article
Horticultural employee talking on the phone why using a laptop computer
Loss control4/25/2024

Help protect your business from cyberattacks

Horticultural and floral industries are at risk from cyberattacks. From employee training to cyber insurance coverage, here are steps you can take to help mitigate the risk.
Link to article
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