Hortica - Business Insurance

Business Insurance head

Property

Real Property

Buildings, greenhouses, permanent structures and permanently installed equipment.

Personal Property

Furniture, fixtures, and inventory (including growing crops). Protection is also available for mobile equipment and data processing equipment.

Business Interruption

Lost profits and continuing expenses (including payroll) during interruptions caused by losses to your business property.

Crime

Losses resulting from dishonest acts.

Workers Compensation

Medical Expenses and Time Lost

Payments to employees for medical expenses and time lost from work for injuries occurring while on the job.

Business Auto

Company Vehicles

Losses to or caused by company vehicles.

Other

Nursery Crop

Highly-specialized protection for the nursery stock of wholesale growers. Basic “catastrophic” provides minimal protection while enhanced coverage options with premiums subsidized by the federal government provide much greater levels of protection.

Flood

Losses resulting from rising water and storm surges. National Flood Insurance Program (NFIP) provides basic coverage and higher limits may be coordinated through commercial insurers.

Earthquake

Damage resulting from earthquakes and volcanic eruptions. Coverage can be purchased for real Property, Personal Property, and Business Interruption.

Feel free to explore our other comprehensive coverages:

	Employee Benefits
	Personal Insurance

Liability

Comprehensive General Liability

Bodily injury to others, property damage to property of others, personal injury (libel/slander, etc.) and advertising injury claims occurring at your business or as a result of business you conduct at other locations.

Products Liability

Bodily injury to others and damage to property of others resulting from a product produced, sold or serviced by your business.

Employee Benefits Liability

Losses resulting from errors in the administration of employee benefit plans such as health insurance or retirement plans. Also provides for the cost to defend lawsuits whether valid or not.

Employment Practices Liability

Losses resulting from wrongful employment acts such as wrongful discharge or sexual harassment. Also provides for the cost to defend lawsuits whether valid or not.

Fiduciary Liability

Losses resulting from errors, omissions or breaches of fiduciary responsibilities.

Umbrella Liability/Excess Liability

Huge Losses

Protection for huge losses that exceed the insurance limits provided by the Business Auto and Comprehensive General Liability policies. Available in increments of $1,000,000 up to $10,000,000 or more.

Directors and Officers

Leaders of private and public companies can be held personally liable for the decisions they make - this provides important protection for that risk.

Kidnap and Ransom

Designed for firms with employees traveling to other countries, this policy helps manage the costs associated with an extortion threat. Equally important is your access to crisis management expertise to help negotiate a kidnapped employee's safe return.

Bonds

	Bid, performance and payment bonds commonly required by firms that obtain business through the bidding process.

	License and Permit guarantee performance of specific duties and are often required by entities granting a license or permits.

Complete our On-Line Policy Quote Request Form or call 800-851-7740 today!