B
Florists Mutual Ins Co
Rating Date
June 2026
NAIC
Classification
Property & Casualty
Risk Adjusted
Capital Ratio #1
2.14
Risk Adjusted
Capital Ratio #2
1.59
Loss
Ratio
72.93%
Total
Assets
180.31M
Capital
35.17M
Net
Premiums
51.87M
Net
Income
4.30M
My Lists My Alerts
Weiss Ratings Florists Mutual Ins Co
Edwardsville, IL 		Click to
Compare		 Click to
Compare		 Click to
Compare
Rating B
Capitalization Index 7.90
Investment Safety Index --
Liquidity Index 6.60
Profitability Index 5.70
Reserve Adequacy Index 6.40
Stability Index 6.60
Company Info Florists Mutual Ins Co
Edwardsville, IL 		Click to
Compare		 Click to
Compare		 Click to
Compare
Industry P&C
NAIC Number 13978
Phone Number (715) 346-6000
Website www.hortica.com
Address One Horticultural Lane Edwardsville, IL 62025
Balance Sheet Florists Mutual Ins Co
Edwardsville, IL 		Click to
Compare		 Click to
Compare		 Click to
Compare
Total Assets 180.31M
Capital and Reserves Florists Mutual Ins Co
Edwardsville, IL 		Click to
Compare		 Click to
Compare		 Click to
Compare
Risk-Adjusted Capital Ratio #1 2.14
Risk-Adjusted Capital Ratio #2 1.59
1-Year Reserve Development -3.06%
2-Year Reserve Development 3.40%
Capital 35.17M
Premium to Surplus 147.51%
Reserves to Surplus 176.80%
Investments Florists Mutual Ins Co
Edwardsville, IL 		Click to
Compare		 Click to
Compare		 Click to
Compare
Cash --
CMO & Structured Securities --
Common & Preferred Stock --
Invested Assets --
Investments in Affiliates 5.06%
Mortgages in Good Standing --
Non-Investment Grade Bonds --
Non-Performing Mortgages --
Other Investment Grade Bonds --
Other Investments --
Real Estate --
Operating Ratios Florists Mutual Ins Co
Edwardsville, IL 		Click to
Compare		 Click to
Compare		 Click to
Compare
Medical Loss Ratio --
Cash From Underwriting 120.13%
Combined Ratio 98.50%
Expense Ratio 25.56%
Loss Ratio 72.93%
Net Premium Growth 14.78%
Other Medical Florists Mutual Ins Co
Edwardsville, IL 		Click to
Compare		 Click to
Compare		 Click to
Compare
Bonus Pay --
Capitation Pay --
Contractual Pay --
Enrollment --
Fee For Service --
Medical Expense Per Member Per Month --
Network Physicians --
Other Pay --
Salary Pay --
Total Patient Encounters - Physician --
Total Patient Encounters-Non-Physician --
Profitability Florists Mutual Ins Co
Edwardsville, IL 		Click to
Compare		 Click to
Compare		 Click to
Compare
Net Income 4.30M
Net Premium 51.87M
Health Premium --