Greenhouse property & growing stock
Review frames, coverings, equipment and growing stock as distinct exposures. Their valuation and coverage terms can differ.
A useful question
Are coverings and growing stock specifically addressed in the policy?
PROTECTING WHAT YOU’VE GROWN
Insurance for
what you’re
building.
Commercial insurance and risk management for the property, people and work behind your business. Rooted in agriculture. Ready to explore what’s next.
Independent advice. Personal relationships.
ROOTED IN YOUR INDUSTRY
GREENHOUSES · NURSERIES · AGRICULTUREFrom the first seed
to the next season.
50+collective years of
industry experience
Family-runDirect access to the
people behind your policy
IndependentCoverage conversations
built around your operation
(419) 297-5129
WHO WE HELP
Different operations.
A shared understanding.
Our roots are in agriculture and horticulture. Your next venture may reach further. Explore our specialties, or tell us about a business that doesn’t fit these categories.
Greenhouses & growers
Your structures are only part of the story.
From the greenhouse covering to the plants inside, your operation depends on a lot more than a building. Coverage should account for growing cycles, climate controls and the way each structure is used.
A FEW THINGS WE LOOK AT
- Greenhouse frames, glazing and coverings
- Growing stock and seasonal inventory
- Heating, irrigation and equipment breakdown
YOUR COVERAGE, IN CONTEXT
Start with what
you need to protect.
Choose your operation and the areas that matter to you. Get useful questions for your next coverage conversation.
TOPICS FOR YOUR REVIEW2 selected
Weather, equipment breakdown & income
Discuss wind and hail deductibles, covered causes of loss, heating and irrigation dependencies, and income after a covered interruption.
A useful question
What would happen if a storm or mechanical failure interrupted operations?
Bring these topics to a review
A starting point for a conversation. Availability, limits and exclusions depend on the carrier, policy and operation.
A CLEARER WAY FORWARD
Know where you stand.
Then decide what’s next.
Understand your operation
We start with what you do, where you work and how your business is changing.
Look beyond the premium
We review values, limits, deductibles and exclusions alongside the price, so the comparison makes sense.
Make an informed choice
You get a clearer view of the gaps and options to discuss. You decide how to move forward.
THE PEOPLE BEHIND THE POLICY
A family business.
Rooted in yours.
Hortico-Agrico is a family-run, independent agency with more than 50 collective years of agricultural and horticultural risk management experience.
Our agricultural roots are a foundation for the way we work: personal relationships, practical questions and an understanding of businesses that keep changing. Tell us where you’re headed next.
Have a conversation with our teamMeet the agencySupport that goes beyond a quote.
Loss prevention
Identify exposures and discuss practical steps before a loss occurs.
Claims support
Help documenting losses and communicating through the claims process.
Certificates & policy service
Support with certificates, endorsements, renewals and policy questions.
PEOPLE. COMMUNITY. CONTINUITY.
Relationships that
go beyond a policy.
Get to know the people behind the agency, our connection to the community and how we help when plans change.
Meet the people.
A family-run agency means a direct conversation with the people looking after your business.
Talk with our team
Connected to community.
Local involvement is part of the story we want to share, alongside the work we do across industries.
Here when it matters.
After a loss, we help document what happened and keep the claims conversation moving.
Contact the agencyPrivate design preview: these images are illustrative concepts, not photographs of our staff, clients or actual events.
LET’S DIG IN
Your next chapter
starts with a
better conversation.
Send a short inquiry. Copy your selected coverage topics into your message. No policy documents are needed to start.
Current coverage and changing needs
Clear questions about options and fit
No obligation to switch insurance
Prefer to talk? (419) 297-5129
Tell us about your business.
Use our contact form to send your details directly to the agency. No documents required.
YOUR CONVERSATION STARTING POINT
Open contact formBusiness type: Greenhouses & growers Coverage topics: Greenhouse property & growing stock, Weather, equipment breakdown & income
Copy this summary and add it to your message. Your selections do not transfer automatically.
The form opens on our existing Squarespace website.
Leave out policy numbers, account details and sensitive personal information. An inquiry does not bind, change or confirm coverage. For urgent matters, call (419) 297-5129.
A FEW USEFUL ANSWERS
Before we dig in.
What should I have ready for a policy review?
Your current policy declarations, a list of locations and structures, and a sense of your payroll, equipment and seasonal inventory are useful starting points. You can start a conversation before gathering everything.
Can you review a business with multiple locations?
Yes. We can discuss how the properties, structures, equipment and ownership fit together, then review schedules, values and coverage questions across the operation.
Do I need to switch insurance to request a review?
No. A review starts with understanding your current coverage and your concerns. You can decide whether to explore changes after that conversation.
Does the coverage explorer give me a quote?
The explorer helps identify coverage topics and questions. It does not quote, verify coverage or determine eligibility. Those require a discussion of your operation and the relevant policy terms.
DIRECT ACCESS. REAL CONVERSATIONS.