Hortica Insurance

During the late 1800s, a group of businessmen faced an overwhelming problem unique to their industry. They needed to protect their glass greenhouses from the ravages of hail. Created to protect the investments of these businessmen, Florists’ Hail Association of America was founded on June 1, 1887 in New Jersey. In 1927, the Company was moved to Edwardsville, Illinois and reincorporation of the company was completed in 1940. Florists’ Hail was authorized to write all forms of fire, windstorm, and allied lines of business insurance.

In 1955, Florists’ Hail Association of America changed its name to Florists’ Mutual Insurance Company. The company became, and remains, a mutual company owned by its policyholders. The Board of Directors consists primarily of horticultural industry leaders throughout the United States.