Business Details
16 Years
experience
Trusted Insurance Solutions for the Horticultural Industry
Vosters Insurance was founded in 2010 by Jim Vosters, who has dedicated over 30 years to the horticultural insurance sector. Our agency specializes in commercial property and casualty insurance tailored specifically for the floral and horticultural industries. We represent trusted partners like Hortica Insurance and Hudson Insurance, offering comprehensive coverage solutions for nursery growers, garden centers, and floral distributors. Our team combines deep industry expertise with personalized service to design insurance plans that align with the unique needs of each business. With decades of collective experience and affiliations with leading insurance providers, we ensure our clients receive both specialized knowledge and reliable support.Our commitment to the horticultural community is reflected in our proactive approach to risk management and our active participation in industry associations. We pride ourselves on simplifying the insurance process, allowing clients to focus on growing their businesses without unnecessary administrative burdens. Our leadership team holds prestigious designations such as CPCU and CIC, underscoring our dedication to excellence in insurance services.
Services
Commercial Insurance
Nursery Crop Insurance
Property Insurance
Liability Insurance
Workers Compensation
Business Auto Insurance
Umbrella Liability
Equipment Coverage
Employee Benefits
Crop Transportation Insurance
Details
- Year established: 2010
Highlights and features
- We offer 30+ years of specialized expertise in horticultural insurance.
- Our team holds CPCU and CIC professional designations.
- We provide nationwide nursery crop insurance through USDA programs.
- Our partnerships include top-rated insurers like Hudson and Sentry.
- We simplify complex insurance needs with industry-specific knowledge.
Associations and certifications
- A.M. Best A+ rating
- Federal Crop Insurance Corporation (FCIC) Approved Insurance Provider
Services
Commercial Insurance
We provide comprehensive commercial insurance packages for horticultural businesses, including property, liability, and auto coverage. Our solutions protect against risks like property damage, bodily injury claims, and vehicle accidents. Clients benefit from customizable policies that address industry-specific challenges such as pesticide liability and equipment breakdowns.
Nursery Crop Insurance
Our USDA-sponsored nursery crop insurance covers container and field-grown plants against weather events and diseases. This program offers tailored risk management for growers nationwide. Policyholders receive support through claims processing and coverage for losses due to hail, frost, and other covered perils.
Workers Compensation
We offer workers' compensation insurance meeting statutory requirements for horticultural businesses. Coverage includes medical expenses, lost wages, and disability benefits. Employers also receive liability protection up to $1,000,000 for workplace-related claims.
Umbrella Liability
Our commercial umbrella liability policies provide high-limit coverage over $10,000,000. This extends existing liability policies for general, auto, and employer liability claims. Businesses gain enhanced protection against catastrophic losses that exceed standard policy limits.
Equipment Coverage
We insure specialized horticultural equipment including tractors, skid steers, and greenhouse systems. Coverage includes mechanical breakdown protection and scheduled equipment replacement. Mobile equipment is covered at replacement cost with high aggregate limits for small tools and machinery.
People
Jim Vosters
Founder
Jim founded Vosters Insurance in 2010 after 30 years with Hortica. He developed their nursery crop insurance program and holds CPCU and CIC designations. Active in industry associations, he previously served as SAF Board Member.
Doug Vosters
Agent
Doug joined in 2011, bringing 15 years of construction business experience. He manages nursery crop insurance programs and holds Florida General Lines licenses. His background includes hands-on roles in retail, wholesale, and import segments of the floral industry.
Questions
What industries do you specialize in?
We exclusively serve the horticultural industry, including nurseries, garden centers, florists, and wholesale distributors.
Do you offer USDA crop insurance programs?
Yes, we administer the government-sponsored nursery crop insurance program through Hudson Insurance.
What commercial insurance coverages are available?
We offer property, liability, workers' compensation, umbrella policies, and specialized equipment coverage.
Are you licensed outside Florida?
Our agents hold non-resident licenses in over 15 states for expanded service capabilities.
How do claims get processed?
Hudson Insurance handles inspections and claims adjusting for crop coverage with timely payment guarantees.
What risk management resources exist?
We provide guidance on USDA programs and customized risk assessment for nursery operations.
