Florists Mutual Insurance
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Florists Mutual Insurance
We've had a relationship with Hortica for the last 60 years and it's been a very important relationship. It allows us to focus on our business. Our goal is to provide you the proper business insurance coverage and risk management you're looking for. We'll also work with you to reduce losses, operate a safe business, and provide prompt claim settlements.

With more than 130 years of experience in the horticultural industry, our knowledgeable staff of adjusters and network of claims professionals creates a unique partnership between us and our customers, leading to exceptional service with affordable premiums.

Headquartered in Edwardsville, Illinois, our nationwide network of representatives help guide and provide insurance solutions for greenhouse growers, nurseries, garden centers, retail florists, wholesale floral distributors, interior plantscapers, sod farms, and lawn care professionals.We also actively collaborate with and support various national and state industry associations.

From defining your policy limits to explaining your responsibility as a policyholder, these 12 insurance terms can greatly impact your insurance coverage and your business.
Services
Since 1887, we've helped protect horticultural businesses like yours across the United States.
Our goal is to guide and provide insurance solutions for greenhouse growers, nurseries, garden centers, retail florists, wholesale floral distributors, interior plantscapers, sod farms, and lawn care professionals.
As a brand of the Sentry Insurance Group, one of the largest and most financially secure mutual insurance companies in the nation, we provide our policyholders assurance that we'll be there for them now and in the future.
You know your business.
We know horticultural insurance.
Our coverages and risk management services can help protect your income, your employees, and your future.
Our customer page has more information and answers to some of the most frequently asked horticultural insurance questions we get.
Our home office campus-with a two-acre lake and half-mile walking path-incorporates flowers, plants, and trees around the grounds.
Whether it's placing plants throughout the interior, giving flowers to celebrate milestones, or planting trees to honor others, we actively demonstrate our commitment to the horticultural industry.
We've put together some quick links to help you manage your account, including making a payment or filing a claim.
Also, be sure to check out our Frequently Asked Questions (FAQs) area below for more information.
Looking for proof of insurance?
This is a risk management service for our members.
If a claim is not opened, we'll advise you or your agent that a claim would need to be opened to complete a coverage review.
If a claim is opened, we provide a coverage review based on the details obtained.
You have to keep track of everything at your shop-inventory, equipment, customers, employees.
Let us help with insurance coverage.
Your business is different.
You face personal and property damage risks.
We have the specialized coverages that'll help protect you and your lawn care or plantscaping business.
We're proud to support research, scholarships, and industry innovations, while partnering with a number of national and state associations.
We have a variety of loss control and safety resource materials tailored to help you have a safer and more successful business.
The right property coverage is more than risk management for your building, equipment, and income-it's about trust and experience.
We offer both.
We can help protect your business from losses caused by your services, operations, or workers, allowing you to focus on running your business.
Umbrella liability insurance picks up where your standard liability policy coverage ends.
We can give you an extra layer of protection that can also include auto liability and general liability.
Protect your business from executive risks, errors and omissions claims, and guarantee bonds.
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