Legal information

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.  Safety services are provided by a member of the Sentry Insurance Group, Stevens Point, WI. For a complete listing of Sentry companies, visit

Florists’ Mutual Insurance Company, Florists’ Insurance Company and Florists’ Insurance Service, Inc. are affiliated with Sentry Insurance 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 AM Best*. 

Legal Disclaimer
This website is for convenience and information purposes only, and is made available by Sentry Insurance Company and its subsidiaries and affiliates (collectively “Sentry”) with the understanding that Sentry is not engaged in the practice of law, nor is it rendering legal, tax, accounting, investment, or financial advice. The information contained in this website is of a general nature and is not intended to address the circumstances of any particular individual or entity. No one should act on the information contained in this website without legal/financial advice from competent and licensed local professionals. THE INFORMATION CONTAINED IN THIS WEBSITE IS DISTRIBUTED BY SENTRY “AS-IS,” WITHOUT ANY WARRANTIES. SENTRY’S LIABILITY IS LIMITED AS SET FORTH ON THIS WEBSITE’S TERMS AND CONDITIONS PAGE.