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Commercial property insurance

We know horticultural insurance

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What is it?

Explaining commercial property insurance

We offer unique solutions for a unique industry

Regardless of your business type, every company faces unique risks. We believe you should be able to customize your property insurance to deal with an unexpected property loss—whether it’s from fire, storm damage, theft, or breakdowns. We’re here to help keep you protected, while avoiding the cost of coverage you don’t need. Here's some of what can be covered under a commercial property insurance policy:

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Buildings and greenhouses

Your buildings and real estate are important to your business and its success. That’s why you need property loss protection. Should your commercial building or other structures be damaged or destroyed by a covered property loss, we’ll help you cover the cost, repair, and rebuild.

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Crops, stock, and inventory

Your crop is your livelihood. Protect your future after storm damage, natural disasters, or a breakdown of a climate-controlled building. You can even protect your future income if you can’t plant your next crop due to damage.

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Equipment breakdown protection

When equipment breaks down, it can mean weeks of lost productivity. This coverage can help reduce your costs and get you back to work sooner.

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Business income

Unexpected property damage shouldn’t result in you losing income. We can help keep your business going as you recover from property damage.

Commercial property FAQs

Commercial property insurance can help cover the buildings or structures you identify in the declarations, along with any completed additions to those buildings or structures.

Commercial property coverage applies to not only buildings and greenhouses, but the equipment contained in those structures—including boilers, generators, coolers, benching systems, irrigation equipment, heat retention curtain systems, and environmental control computers.

Cost depends on the type of policy you have and its coverage limits. We’ll work with you to make sure you have the proper commercial business liability coverage.

Who needs it?

Why you need commercial property insurance

Protect your business from uncertainties

The buildings, tools, and equipment you rely on every day—from crops and growing equipment to computers and machinery—are an important part of your industry. That’s why these types of coverage are so important, since it can help you avoid being stuck with the bill if you need to repair or replace your damaged property.

How it works

Commercial property insurance protects in several ways

A variety of coverages for a variety of risks

You want to be sure your company and employees are shielded from hazards. We can help protect what’s most important to you.

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Fire and weather damage

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Theft and vandalism

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Equipment breakdown

Why choose Hortica?

Insurance tailored to the horticultural industry

Count on our stability, service, and experience

Since 1887, we’ve provided insurance policy solutions for horticultural businesses. We understand the unique needs of the industry and offer specific products and services for: 

  • Garden center

  • Greenhouse grower

  • Landscaper and plantscaper

  • Nursery or sod farm

  • Retail/wholesale/event florist

Why Hortica

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We’ll help you find the right coverage.

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Other insurance products

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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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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
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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