Hortica Insurance & Employee Benefits is financially strong and well positioned for future growth. The majority of our assets are invested in high-quality, fixed-income U.S. Government, U.S. Government agency and corporate bonds. Adequate loss reserves insure that all legitimate policyholder claims are paid. Hortica maintains excellent reinsurance arrangements with the world’s premier reinsurance companies, thereby protecting our financial stability in the event of catastrophic losses. Because we are a financially stable company, our customers rely on us for superior levels of service and performance. Hortica Insurance & Employee Benefits is rated “B++” (Good) with a Stable outlook and financial size category of VI by A.M. Best Company. Hortica Insurance & Employee Benefits has been assigned a Financial Stability Rating® of A, Exceptional, from Demotech, Inc.