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For more than 128 years, Hortica Insurance & Employee Benefits has provided insurance solutions for horticultural industry businesses and is the only U.S. insurance company solely dedicated to greenhouse growers, nurseries, garden centers, interior plantscapers, retail florists, wholesale floral distributors, landscape and lawn care professionals, and sod farms. We realize the industry is unpredictable and ever-changing. Rest assured our focus is, and will remain, dedicated to protecting our customers.

Hortica is a mutual insurance company owned by our policyholders and elects respected industry leaders to its Board of Directors. Our employees are insurance professionals who understand the unique risks and needs of horticultural businesses. We understand our success is directly tied to the success of both the horticultural industry and the businesses we insure. We are proud that 25% of our policyholders have been with us for more than 25 years.

Hortica is a proven partner for business insurance, employee benefits and personal insurance. There is no need to explain the horticultural industry to Hortica, just tell us about your business and we will design a plan that works for you. We help our policyholders obtain the correct coverage and protection available, select the proper amount of insurance, reduce and/or avoid losses, receive prompt and fair claims settlements and operate a secure, safe business. With the right coverages at competitive prices, we can help your business improve its bottom line.

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Hortica offers a full range of products and services including property and liability, automobile, workers’ compensation, excess umbrella, health/life/disability, loss control and safety on-site consultations, thermographic inspections, customized safety presentations/webinars, annual claims analysis and access to loss control and safety training material.

Hortica is knowledgeable on industry trends and is able to provide members with sound advice regarding various topics such as type of structures to build/re-build, engineering of greenhouses with respect to wind and snow loads, safe use of shade cloth/energy curtains, and tips to minimize everyday risks at their business.

Hortica always provides personalized customer service. Our knowledgeable insurance professionals are available to assist our policyholders whether they are requesting a quote, requesting a certificate of insurance, reporting a claim or asking questions concerning their policy. In the event of a loss, an on-staff adjuster will guide you through every detail and provide a prompt, fair and hassle-free claim settlement.

Hortica actively participates and supports many national and state industry associations including AmericanHort, Master Nursery Garden Centers, Society of American Florists, Association of Professional Landscape Designers, Professional Landcare Network, American Floral Endowment, Horticultural Research Institute and National Greenhouse Manufacturers Association. Hortica’s contributions support research, governmental relations, educational scholarships, industry education programs, and innovative solutions to industry concerns. Theses activities directly improve the profitability and development of horticultural industry businesses and organizations.

Hortica is a national company with its corporate office located in the St. Louis metropolitan area in Edwardsville, Illinois.

Mission Statement: To guide and provide the green industry with superior, cost-effective insurance solutions.