Hortica, a brand of the Sentry Insurance Group

Dedicated to the horticultural industry since 1887, we understand businesses like yours and work to provide the guidance you want to help you find the right insurance coverage.

Our products and services

• Property and liability
  • Business interruption
  • Equipment breakdown
  • Cyber liability
  • Employment practices liability
• Automobile
• Workers' compensation
• Umbrella
• Personal Insurance
• Health/Life/Disability
• Loss Control & Safety Services
  • On-site consultations
  • Training resources
  • Customized presentations and webinars
  • Thermographic inspections

Together, we'll discuss your unique risks and tailor an insurance plan that makes sense for your business.

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 hortica.com. Policies, coverages, benefits and discounts are not available in all states. See policy for complete coverage details.

We provide:

• Stability
  • We're dedicated to meeting the needs of the horticultural industry, understanding that our success is directly tied to this industry and the businesses we insure. We're proud that 25 percent of our policyholders have been with us for more than 25 years.
• Dedicated service
  • We understand the unique needs of horticultural businesses, and we're the only U.S insurance company solely dedicated to greenhouse growers, nurseries, garden centers, landscape and lawn care professionals, sod farms, florists, and interior plantscapers.
• Financial strength
  • As a brand of the Sentry Insurance Group, Hortica is part of one of the largest and most financially secure mutual insurance companies in the U.S. We provide peace of mind and the assurance that we'll be there when you need us most.
• Experience
  • Our associates are insurance professionals who understand the unique risks and needs of your business. In addition, our advisory council is comprised of respected industry leaders.
• Loss control and safety services
  • Our specialized services include on-site consultations, thermographic inspections, targeted safety presentations, webinars, annual claims analysis, and training materials.
• Full-service care
  • We offer business insurance, employee benefit administration, and personal insurance. We're committed to and nurture a culture of high ethical standards.
• Proactive claims handling
  • If a claim occurs, we'll provide prompt and fair settlements. We're more willing to provide critical insurance to member companies considered high risk and during certain business cycles when typical insurance providers restrict coverage.
• Support to industry associations
  • We actively collaborate with and support various national and state industry  associations, including American Floral Endowment, AmericanHort, Association of Professional Landscape Designers, Horticultural Research Institute, Master Nursery Garden Centers, National Association of Landscape Professionals, National Greenhouse Manufacturers Association, Society of American Florists, and Wholesale Florist & Florist Supplier Association.

How you benefit:

• As a mutual insurer, we focus on policyholders, not stockholders. You're more than a customer to us - we succeed when you do. Our history and financial strength provides stability and an established track record in our insurance programs. Our goal is simple, serve our policyholders in the horticultural industry.
• We help you:
  • Obtain the coverages and protection your business needs
  • Select the proper amount of insurance
  • Reduce and avoid losses
  • Receive prompt and fair claims settlements
  • Operate a secure, safe business
• You can count on our financial stability, providing you with the peace of mind that comes from knowing your business - your biggest investment and livelihood - is protected.
• Your interests are our interests. Decisions at all levels at Hortica are made with a unique knowledge of and uncompromising passion for the horticultural industry.
• You'll receive advice on topics such as types 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. Many loss control and safety resources are also available on our website, helping save you money in the long run.
• Enjoy having your insurance needs met with one company, and be confident we'll listen to you and provide superior, cost-effective insurance solutions.
• You get the attention and service you deserve in the claims process. You also receive the coverage you need when you need it most.
• A thriving horticultural industry can make it easier for you to succeed. Our contributions support research research, governmental relations, educational scholarships, industry education programs, and innovative solutions to industry concerns. These activities can improve the profitability and development of businesses like yours.

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 hortica.com. Policies, coverages, benefits and discounts are not available in all states. See policy for complete coverage details.