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Our horticultural insurance

We're solely dedicated to the horticultural industry. Find out how we can support you and your business.

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What we offer

Greenhouse with trees planted in a row on the side of the building
More than 135 years of experience insuring greenhouse growers, nurseries, garden centers, and florists.
Two cards, one with a flower illustration and one with a red lock illustration
Insurance products designed specifically for your horticultural business.
Three potted flowers with an identification card
In-house claims and safety services that help keep horticultural and floral operations moving forward.

A proven record

We offer personalized customer service and prompt, hassle-free claims processes. And we're part of one of the most financially secure mutual insurance groups in the U.S.

Wholesale Florist & Florist Supplier AssociationAmericanHortSociety of American ForestersNational Association of Landscape ProfessionalsMaster NurseryAPLDAmerican Floral Endowment logo.
Wholesale Florist & Florist Supplier AssociationAmericanHortSociety of American ForestersNational Association of Landscape ProfessionalsMaster NurseryAPLDAmerican Floral Endowment logo.
Society of American ForestersAmericanHortMaster Nursery
Jim Gibson and Hortica representative in a greenhouse at Timbuk Farms
You have people that understand our business. You’re not talking to an adjustor that’s never done a claim before. You’re talking to someone who’s done it 20, 30 years and knows our industry."
Jim Gibson, OwnerTimbuk Farms
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Providing coverage that’s right for you

From maintaining a safe workplace to preparing your business for natural disasters, our resources help protect you, your business, and your future.

Gardening supplies displayed for purchase in a garden center

Garden center insurance

We have coverages to help protect your business. Property and liability coverage are just the start.

Outdoor view of a greenhouse in the fall

Greenhouse insurance

We can help protect your structures, crops, and machinery with our personalized coverage options.

Rows of wrapped flower bouquets for sale

Florist insurance

You have to keep track of everything at your shop—inventory, equipment, customers, employees. Let us help with insurance coverage.

Clusters of potted plants in an outdoor nursery

Nursery insurance

Crops, coolers, equipment. Damage to any of these items can be disastrous to your business. We have ways to help protect your livelihood.

Learn more about how our insurance solutions can help protect your horticultural business.

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Tell us more about you and your business

We’re ready to help protect your business. Tell us about yourself, so we can start getting to know you. We’ll review the information and reach out to you.

Sentry logo in black.

Hortica is a brand of the Sentry Insurance Group, one of the largest and most financially secure mutual insurance groups in the nation, with $29.8 billion in assets and an $8.7 billion policyholder surplus.* The insurance group holds an A+ (superior) AM Best Financial Strength Rating (FSR).* *

*Assets and policyholder surplus are as of Dec. 31, 2025, and represent the aggregate total for all members of the Sentry Insurance Group and are not reflective of any individual underwriting company.

**The Sentry Insurance Group is one of the largest and most financially secure mutual insurance groups in the United States, holding an AM Best Financial Strength Rating (FSR) of A+ (superior), current as of June 2025. For details about AM Best’s rating scale, see ambest.com/ratings/guide.pdf