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Hortica provides everything necessary to help you maintain your success and protect your business for the future.

As a business owner, you need an insurance company that you can trust to have your back for years to come. A partner whom you can depend on when disaster strikes. An ally who can fight in your corner when you’re knocked down and need help to get back on your feet. For all of this and more, you can count on Hortica Insurance & Employee Benefits.

You need an insurance company with the financial stability to give you the peace of mind you deserve when it comes to covering your biggest investment and your livelihood: your business. You have the right to know how your insurance company’s assets are being invested, where your money is going and most importantly, how.

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 “A+” (Superior) with a Stable outlook and financial size category of XV by A.M. Best Company.  Put simply, we’re more than your insurance company – we’re focused on growing in a way that helps us fuel your growth.

Hortica® property and casualty coverages are underwritten, and loss control services are provided, by Florists’ Mutual Insurance Company, Florists’ Insurance Company, and Florists’ Insurance Service, Inc., Edwardsville, IL, members of the Sentry Insurance Group. For more information, visit Policies, coverages, benefits and discounts are not available in all states. See policy for complete coverage details.

Florists’ Mutual Insurance Company, Florists’ Insurance Company and Florists’ Insurance Service, Inc. are affiliated with Sentry Insurance a Mutual Company. Sentry Insurance is one of the largest and most financially secure mutual insurance companies in the United States, holding an A+ (Superior) rating from A.M. Best.

*Sentry has an A.M. Best Financial Strength Rating (FSR) of A+ (Superior), current as of May 2019. See for rating information.