SMALL PHONE
PHONE
TABLET
DESKTOP
LARGE DESKTOP
XL DESKTOP
Cathy James headshot

Cathy James

Region Manager

Serves:
Central and Western U.S.

About Cathy James

As a Region Manager for Hortica, I have the opportunity to work with our clients, prospects, and service team. Our staff takes great pride in understanding the floral and horticultural industries. From our property claims adjusters to our sales and underwriting teams—we get you! We have the products to help you sleep better at night and help keep your operations and people protected.

I’ve worked in the insurance industry for nearly 40 years. Every day in this industry is something new—from the beautiful products and interesting people we help protect to the places I get to visit across the U.S. I focus on understanding the what, why, and how of our industry to build expertise and to help our customers and their businesses.

Outside of work, I enjoy spending time with my family, working in the yard, and caring for my pets.

“I want you to be happy you partnered with us, because we’ll help protect the unique operation you’ve built.”

Why work with Hortica?

Our associates are insurance professionals who understand the unique risks and trends of the industry and how they can impact your business. Together, we'll get to know your business and provide superior, cost-effective insurance solutions. That knowledge also helps us customize your coverage options and risk management opportunities.

We know your industry just like we know business insurance:

  • More than 135 years of protecting horticulture companies

  • Personable agents to guide you and provide customized insurance solutions

  • Insurance products designed for the horticulture and floral industries

1887
Since 1887, we've helped protect the horticultural industry.
We understand how your business is different and tailor our coverages to suit you.
A+ rating
Backed by Sentry Insurance, rated A+ (superior) by AM Best.*
Our financial stability gives you peace of mind.
$13.2B
The total insured value** of all property we help protect across the United States.
We're ready to help care for your unique business.
**February 2025

Our customers' stories

“We could get an insurance representative who knows business. But they don't know our business. That's where Hortica really steps in and makes such a difference in our business and our industry.”
Michelle Castellano, Vice President
Mellano & Company

A few of our products

Rows of plants in a greenhouse

Greenhouse insurance

We can help protect your greenhouse structures, crops, and machinery.

Learn more about greenhouse insurance
Flowers on a shelf

Garden center insurance

We have coverages to help protect your business property—and your business. Property and liability coverage are just the start.

Learn more about garden center insurance
Rows of flowers

Insurance for retail/wholesale/event florists

You have to keep track of everything at your shop—inventory, equipment, customers, and employees. Let us help with insurance coverage.

Learn more about florist insurance
Flowers around a document with a green magnifying glass

Need horticultural business insurance now?

Talk with our knowledgeable representatives and they’ll help you find the right coverage options for your business.

Request a quote

Still have questions?

Our customer page has more information and answers to some of the most frequently asked horticultural insurance questions we get. For an answer to a specific question, just fill out the form below with your information.

Phone