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Umbrella liability insurance coverage

We know horticultural insurance coverage

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What is it?

Explaining business umbrella liability insurance

Providing extra liability protection when it’s needed

We understand the challenges and risks you face in the horticultural industry and what it takes to protect a successful business. We also know that insurance protection might need a boost at times to cover medical expenses or to cover employers’ liability claims.

Our business umbrella policy is designed to provide excess liability coverage in the event of a huge judgment against you or your company. While it’s optional, we highly recommended it to protect your business in the event of a catastrophic liability loss.

It’s just one more way we can help ensure the continued success of your business, help cover your investment, and aid in ensuring the livelihood of your employees and protection of your assets.

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Extra coverage limits

As the number of lawsuits and liability claims against companies continues to rise, especially in the area of business auto, the average amount of damages granted in jury verdicts is also increasing. With a commercial umbrella policy, you may be better able to cover the loss.

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Works alongside other policies

Your business liability insurance covers costs up to the limits specified in your insurance policy. Business umbrella insurance is added to your business auto and general liability policies and covers any remaining balance up to its limit.

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Variable coverage limits

Our commercial umbrella liability policy is available in increments of $1 million. It’s money that’s applied to any losses that exhaust the limits of your existing liability policies.

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Peace of mind

Every business owner in your industry faces the risk of a sizeable judgment if there’s an unfavorable verdict. A commercial umbrella insurance policy could mean the difference between the survival of your company, or its demise.

Commercial umbrella insurance FAQs

Business umbrella liability insurance is an addition to your business package policies like general liability, employers liability, and commercial auto and offers extra protection in the case of a catastrophic liability loss.

Business umbrella insurance adds an additional $1 million in coverage. It’s designed for losses that exhaust the limits of other policies including:

  • General liability

  • Employers liability

  • Commercial auto

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

Who needs it?

Do you need umbrella liability coverage?

Get protected against expensive judgments

General liability insurance covers you if there’s ever an accident on the jobsite, at the store, or on the road. But what happens if the damages you face are greater than your liability policy limits? Paying the remaining balance could drastically impact your business’ bottom line. Commercial umbrella liability insurance picks up when you reach your standard liability limits.

Our understanding of the horticultural industry allows us to provide umbrella insurance that helps protect your business and leave you with one less thing to worry about. Let us help give you an extra layer of protection with commercial umbrella liability coverage.

How it works

Umbrella liability provides an extra layer of coverage

Picks up where other coverages leave off

It’s something you hope never happens—a customer gets hurt as the result of your work or your product. Lawsuit judgments may leave you owing a lot of money. While your business insurance will cover as much as the policy allows, it’s not enough. If there’s a balance, you’ll still have to pay. That’s where umbrella liability insurance comes in.

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Extra protection if an employee or customer gets hurt

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Extra coverage for a serious motor vehicle crash

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Extra protection if there’s a large court judgment against you

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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General liability insurance

Lawsuits following slips, trips, and falls are a significant threat to your bottom line and reputation. Greenhouse liability insurance can help you protect your business if someone is injured at your location, or if you sell a defective product that 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
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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
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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. Greenhouse workers’ compensation coverage can help cover medical and related expenses for your employees who are injured while working.

Guide to workers' compensation
See all coverages