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Personal insurance coverage

Protect more than your business

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What is it?

Business owner personal insurance

Find coverage options to protect you and your property

Your life is more than being a business owner. As a result of all you’ve worked for, you’re likely a homeowner, have a personal auto, possibly even a motorcycle, RV, or a boat or other type of watercraft. Like your business, they need insurance coverage and protection, too. We can help you get it through our insurance agency, Florists' Insurance Service, Inc. (FISI), a subsidiary of Florists’ Mutual insurance Company and an affiliate of Florists’ Insurance Company, our underwriting companies.

Only Hortica business insurance customers can purchase personal insurance through FISI, which works with other insurers to help find policies and customize limits to get the coverage, flexibility, and pricing for the personal insurance coverage you want.

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Why choose Hortica?

Insurance tailored to your horticultural business and life as a business owner

Count on our experience, service, and stability

For more than 135 years, the Hortica name has symbolized our dedication to horticultural and floral businesses. We understand the unique needs of garden centers, greenhouse growers, landscapers, plantscapers, nurseries, sod farms, and retail florists.

Through our underwriting companies, Florists’ Mutual Insurance Company and Florists’ Insurance Company, we provide insurance solutions to the green industry. Through Florists’ Insurance Service, Inc., these solutions can include personal insurance policies for business owners.

We also offer you the peace of mind of financial stability through our affiliation with Sentry Insurance Group.

Why Hortica

Need insurance now?

We’ll help you find the right coverage.

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Other insurance products

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 - 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 - 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