NAICS UNIVERSITY · Free research for insurance agents
Floriculture Production
NAICS 111422 · United States · 2022 edition
This U.S. industry comprises establishments primarily engaged in growing and/or producing floriculture products (e.g., cut flowers and roses, cut cultivated greens, potted flowering and foliage plants, and flower seeds) under cover and in open fields.
Review the farm operation beyond the crop.
Floriculture Production combines production risks with equipment, premises and labor concerns. Review crop and plant inventory loss, greenhouse structure damage, workers' compensation. Ask about custom work for others, storage and added processing; those activities need their own coverage discussion.
Questions to ask
- What proportion of production occurs in greenhouses versus open fields, and what is the total square footage of covered structures?
- What is the approximate value of growing stock at peak season, and how does it vary throughout the year?
- How many employees work year-round versus seasonally, and how are seasonal workers classified and paid?
- What heating, cooling, and irrigation systems are in use, and what backup power or redundancy exists?
- Does the operation sell wholesale only, or is there direct retail or agritourism activity on the premises?
- For Floriculture Production, what should the underwriter know about heavy reliance on a single crop or season with minimal income diversification?
- For Floriculture Production, what should the underwriter know about older greenhouse structures with deteriorated glazing or inadequate heating systems in cold climates?
- For Floriculture Production, what should the underwriter know about large undocumented seasonal workforce with unclear employment classification?
Activities described by this code
Other activities to examine
Census classification reference
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Compare another operationInsurance operations research — draft
Floriculture producers grow cut flowers, potted plants, cultivated greens, and flower seeds — either in greenhouses or open fields, or a combination of both. Day-to-day work includes planting, irrigation, fertilizing, pest management, harvesting, and shipping to wholesalers, retailers, or florists. Many operations rely on seasonal labor and specialized greenhouse structures.
Questions to investigate
- What proportion of production occurs in greenhouses versus open fields, and what is the total square footage of covered structures?
- What is the approximate value of growing stock at peak season, and how does it vary throughout the year?
- How many employees work year-round versus seasonally, and how are seasonal workers classified and paid?
- What heating, cooling, and irrigation systems are in use, and what backup power or redundancy exists?
This insurance research was generated in April 2026. It has not received a complete human review. The October 12, 2026 audit checked codes and titles only, not descriptions or coverage assertions.