Menu 800-851-7740 Request a quote Florists insurance We can help protect the business you've built Request a quote All business types Florists We’re here to help protect your growing florist business Find coverage options you can rely on You count on keeping your floral shop operating at its best, but there’s always the concern over losing your product, having damage to your shop, or bodily injury to a customer or employee. We can help protect against those things. With more than 130 years of experience in the horticultural industry, we understand your business, allowing us to help you with quick, quality claims resolution and safety services to help protect your livelihood. “We love Hortica. We’ve been a customer for over 60 years.” Kinsch Florist & Garden Center Understanding the risks Insuring your floral operation Know the hazards you face Flower inventory Your crop could be put in jeopardy if there’s storm damage or a climate control system fails. We offer coverage for flower loss. Also, we can help protect your future crop income if you can’t plant due to damage. Property damage From your floral inventory to the building itself, there’s a lot of opportunity for loss at your business. Whether it’s for fire or equipment breakdown, we’ll analyze your needs and help provide you customized coverage options. Slips, trips, and falls Displays, hanging baskets, and ladders are common hazards found around floral shops and can lead to costly injuries or workers’ compensation claims. We’ll work with you to minimize your risks to help keep customers and employees safe. Equipment breakdown 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. Customer liability Customer accidents and injuries on your property can be a concern. And, believe it or not, so can the sick pet who ate the wrong plant, or a customer having an allergic reaction to leaf shine spray used on a delivery. We can help protect your business with general liability insurance. Delivery accidents Traffic accidents are one of the biggest liability exposures your business can face. You’re responsible for the actions of your employees while on the road and a commercial auto accident can be devastating. We offer safety training and vehicle insurance coverage. Coverages The insurance policy coverage you need We offer a variety of coverages for you Property insurance is just the beginning of what we offer. We can help you protect your investment and the future of your business. From liability coverage and workers’ compensation to personal insurance, we have a variety of products to help insure your future. Commercial property The right property coverage is more than risk management for your building, equipment, and income—it’s about trust and experience. We offer both. Guide to commercial property General liability insurance We can help protect your business from losses caused by your services, operations, or workers, allowing you to focus on running your business. Guide to general liability Commercial auto Deliveries and transporting equipment are important parts of your company. We’ll help you find the right auto coverages for your business. Guide to commercial auto Workers’ compensation coverage Protecting your employees after an injury is important. So is protecting your business from litigation. We can help you do both. Guide to workers’ compensation More insurance coverages These are just some of the insurance coverages we offer. Talk with one of our representatives to find the protection that’s right for you. See all insurance products Florist insurance FAQs What is florist insurance? What are the biggest risks for florists? How much does florist insurance cost? How Hortica helps What makes Hortica different Industry knowledge sets us apart From the beginning of the quote process, you’ll learn our understanding of your business and its operation ensures you get the proper coverage and quick repairs if there’s ever a claim. Why choose Hortica We’ve had a relationship with Hortica for the last 60 years and it’s been a very important relationship. It allows us to focus on our business and not worry about some of the pitfalls. John Baisch & Skinner Wholesale Floral Distributor Find the right type of insurance Coverage specifically designed for your business Request a quote Since 1887, Hortica, a brand of the Sentry Insurance Group, has solely dedicated itself to helping protect businesses in the horticultural and floral industries. Learn how we can help you. 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