Business Tips7/22/2025
Essential heat safety tips for horticultural businesses and workers
This guide covers essential strategies to help horticultural teams combat heat stress—indoors and outdoors—to improve safety and worker well-being.
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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.
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.
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.
Commercial auto insurance
Deliveries and transporting equipment are typical day-to-day activities for flower businesses. If you or 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 these types of accidents.
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.
Professional liability insurance
Protect your business from executive risks, errors and omissions claims, and guarantee bonds. We have coverages specific to your business.
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.
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.
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 testimonialProtecting 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.
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.
Safety services
Our safety services specialists will help you identify hazards, manage your risk, and aid in keeping your company and your employees safe.
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.
Coverages7/14/2025
Help protect your horticultural business with risk-relevant insurance coverage
From property damage to cyberattacks, explore the top risks horticultural businesses face—and how insurance helps you stay protected.
Coverages6/18/2025
Why you need plant nursery insurance
Explore how nursery insurance can help protect your bottom line if you experience a loss due to weather, theft, and equipment breakdown—plus tips on choosing a trusted provider for your business.