Hortica_ Green Industry Mourns Loss of Todd Bachman Board Update by fionan

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                                                                                                     Fall 2008

Hortica, Green Industry Mourns Loss of Todd Bachman
    Directors, officers and employees of Hortica                                and ready smile. The fact that
    Insurance & Employee Benefits have joined with                              his irreplaceable leadership
    our clients and friends across the country to mourn                         has been extinguished is
    the tragic death of Hortica board chairman Todd                             difficult to comprehend for all
    Bachman on August 9 in Beijing, China. Bachman,                             of those who knew him,” said
    chairman and CEO of Minneapolis-based                                       Hortica President and CEO
    Bachman’s, Inc. floral, gift and garden centers,                            Mona Haberer. “Hortica is a
    joined Hortica’s board in 1996 and was elected                              better company and we are
    chairman in February 2008.                                                  better employees for having
                                                                                had the privilege of working
    “Todd was a trusted friend and mentor whose           with Todd. It was an honor to have him serve on
    wise counsel was always accessible. People were       our Board of Directors and ultimately achieve the
    naturally attracted to his quiet, unassuming manner   role of Chairman.”


Board Update
    Hortica announces that former chairman of the         of the family business founded in 1967 by his
    board of directors M. James Leider has re-assumed     grandparents. He has also served on the boards
    the role of chairman. He replaces Todd Bachman,       of the Colorado Floriculture Foundation and
    who was killed tragically in Beijing in August.       Colorado Greenhouse Growers Association.
    Leider had served as chairman of the board from
    October 1997 to February 2008.                        A native of the Netherlands, Boonman joined
                                                          Chicago-based Ball Horticultural Company in 1994
    Jim Leider is Chairman & CEO of Leider                and is currently in charge of Ball Seed, leader in
    Horticultural Companies, Inc. Based in the            distribution of ornamental seeds and plants. He
    Chicago area, the company operates a commercial       also heads the wholesale distribution divisions of
    greenhouse operation and seasonal retail garden       Ball in Latin America and serves as a member of
    centers, a nursery and farm, and a foliage plant      the Ball Horticultural Company’s board of directors.
    nursery. He has served as past chairman for several
    industry organizations including the Society
    of American Florists and the American Floral
    Endowment.

    Two new members also recently joined the
    board, Randy Tagawa and Cornelis (Cees)
    Boonman. Tagawa is CEO of Colorado-based
    Tagawa Greenhouse Enterprises, LLC, a division
                                                                   Jim Leider          Randy Tagawa


                                                                                         www.hortica-insurance.com
Mona Haberer Takes the Reigns as Hortica’s New President & CEO                                                              Financial Statement
           Hortica is pleased to announce on April 1,                                                                             Hortica Insurance is rated “A-“ (“Excellent”) by
           2008, Mona Haberer officially took over as the                                                                         A.M. Best Company, the premier insurance rating
           company’s new President and CEO, replacing                                                                             agency. The majority of our assets are invested in
           Bob McClellan, who retired after 21 years of                                                                           high-quality, fixed-income U.S. Government, U.S.
           service. Haberer has been with Hortica for nearly                                                                      Government agency and corporate bonds. 2007
           20 years, most recently serving as chief financial
                                                                                                                                  surplus totaled $56,358,000. Adequate loss reserves
           officer, treasurer and senior vice president for
                                                                                                                                  insure that all legitimate policyholder claims are
           the past nine years. A CPA and CPCU, she holds
                                                                                                                                  paid. Hortica maintains excellent reinsurance
           a bachelor’s degree in accounting from Eastern
                                                                                                                                  arrangements with the world’s premier reinsurance
           Illinois University and is a member of the American
                                                                                                                                  companies, thereby protecting our financial stability
           Institute for Certified Public Accountants.
                                                                                                                                  in the event of catastrophic losses. Because we are
                                                                                                                                  a financially stable company, our customers rely on
                                                                                                                                  us for superior levels of service and performance.
                                                                                                                                  Hortica remains financially strong and well
Letter from the President                                                                                                         positioned for future growth.


           Having served the company the past 20 years, it is      Hortica continues to foster strong relationships
           my absolute pleasure and honor to step into my          with the various industry associations. We recently      Society of American Florists Partners with Hortica to
           new role as president and CEO. Hortica is financially   announced a customized health insurance plan
           strong and well positioned for growth, and our          developed for the Society of American Florists (SAF)     Create Association Health Plan Exclusively for its Members
           core values of integrity, respect, and accountability   to serve their members including floral retailers,
           guide us every day. Last year, Hortica celebrated       wholesalers, growers and suppliers. We’ve also                 Hortica, along with long-time business partner          The program uses a trust established by SAF, which
           120 years in business. As we look to the next           expanded our relationship with Master Nursery                  the Society of American Florists (SAF), is              is an arrangement that allows participating member
           century and beyond, our focus will continue to          Garden Centers (MNGC) to provide loss control                  pleased to announce the formation of a Health           companies to join together to obtain coverage
           be providing exceptional service and enhancing          training programs for members and valuation                    Insurance Association plan exclusively for SAF          under a single policy of insurance. The resulting
           relationships with our customers and associations in    surveys for their property. Hortica will continue to           members. Hortica and SAF have formed a strategic        larger risk pool may lower insurance premiums for
           the horticultural industry.                             be a strong advocate for the horticultural industry.           relationship with Trustmark Affinity Markets, a         many businesses that would otherwise have to buy
                                                                   We know our customers and we understand their                  division of Trustmark Life Insurance Company, which     insurance individually.
           Hortica is determined to provide the best experience    business better than any other insurance company.              will underwrite and administer the plan. Together
           for our customers. We have recently expanded our                                                                       we have prepared a unique set of health insurance       “Hortica is honored to be the first member
           loss control products and services. A new members       We are excited about our plans to grow Hortica
                                                                                                                                  products custom designed for SAF members. These         employer to be insured under this plan. Like our
           only section has been added to our website,             Insurance & Employee Benefits and to remain true
                                                                   to our niche as the largest insurer in the United              plans are designed to help members better manage        fellow members, we are faced with the challenge
           providing specialized loss control programs. Hortica
                                                                   States dedicated to the horticultural industry. I hope         their health insurance costs and to mitigate the        of providing affordable health insurance to our
           understands our customers’ business and because
                                                                   to meet with and hear from many of you in the                  continuing increase in health insurance inflation.      employees. We firmly believe this plan will help us
           of that, our claim adjusters minimize both the time
                                                                   future and look forward to being of service in any                                                                     contain these costs in the long term,” said Hortica
           and cost of a loss. With our industry knowledge and
           expertise in the federal nursery crop program, we       way I can.                                                     “We continually look for ways to enhance our            President and CEO Mona Haberer.
           provide additional customer services by offering                                                                       membership’s array of services. The advent of this
           crop inventory data entry. By dramatically increasing                                                                  health plan gives us the opportunity to make vital
           automation, we are now easier to do business with                                                                      services available and provides an alternative for
           and more competitively priced. We are expanding                                                                        those searching for help with their health insurance
           our agent force with more agents in new territories     Mona Haberer                                                   programs,” said Peter Moran, executive vice
           to provide better service.                                                                                             president and CEO of SAF.


 To guide and provide ®                                                                                                                                                                                             www.hortica-insurance.com
                                                   OSHA: What to Expect                                                                            When You’re Inspected
             There are several factors that can instigate an               There should also be one or two appointed backup                              If you provide consent for the inspection, make sure     In the closing conference, the inspector will discuss
             inspection of your workplace by the Occupational              employees who can be called upon in the event                                 to have the following available for review during the    any unsafe conditions observed and will review
             Safety and Health Administration (OSHA)                       that the key person who would provide the tour                                walk through (Only show the inspector what he/she        citations that are expected to be made. OSHA
             including imminent danger; a serious accident,                is not available when the OSHA inspector arrives.                             asks for):                                               has six months to issue a citation from time of
             illness, injury or death; outside complaints or a             Employees who may first greet the inspector should                            	        •		Injury	and	illness	program                   inspection. Sometimes the inspectors may want to
             disgruntled employee. Most OSHA inspections                   also be trained in your company’s protocol and know                           	        •		First	aid	cards	(if	required)                review regulations, request additional testing or they
             are unannounced, making it crucial for businesses             who to contact when the inspector arrives.                                    	        •		OSHA		300,	300A	&	301	logs	(updated	to		     may want to talk to their district manager.
             to have a strong safety program and preventative                                                                                                        current date)
             strategy in place.                                                                                                                          	        •		OSHA	posters	(filled-in	with	appropriate		   Again, the best preparation and prevention against
                                                                                                                                                                     information)                                 violations is to maintain a safe working environment.
             Being prepared, planning for and knowing what to                                                                                            	        •		Written	safety	programs                      This is ideally accomplished by having a strong,
             expect at an OSHA inspection can save a business                                                                                            	        •		Emergency	numbers                            written safety program in place and practiced at
             from penalties. Understanding the violations and                                                                                            	        •		Permit	postings                              all times. Contact Hortica’s Loss Control & Safety
             standards that exist is key to protecting the business.                                                                                     	        •		Documentation	for	safety	training            Department or visit the Loss Control & Safety Services
                                                                                                                                                                                                                  section of our web site at www.hortica-insurance.com
                                                                                                                                                         During the walk through the inspector generally
             The best preparation is always maintaining a safe                                                                                                                                                    to learn more about establishing a safety program in
                                                                                                                                                         conducts employee interviews. This is typically
             workplace that complies with OSHA regulations.                                                                                                                                                       your workplace.
                                                                                                                                                         done in private unless the employee requests to
             Keep updated OSHA 300, 300A and 301 logs as well
                                                                                                                                                         have a member of management present during the           * This article was written following the guidelines of Federal
             as documentation of training and current posters.                                                                                                                                                      OSHA procedures. Some state OSHA plans may vary.
                                                                           The hose in the walkway is a hazard and would be considered a Serious         interview. The inspector may ask the employee
             When a strong safety program is in place, fewer               Violation and cited as such by OSHA.
                                                                                                                                                         questions such as the type of training they have
             accidents will occur.
                                                                                                                                                         received, knowledge of their job function and the
                                                                           Handling the inspection                                                       hazards that they are exposed to, as well as how to
             Although the majority of OSHA inspections are
                                                                           An OSHA inspector will arrive and present his/her                             protect themselves from the hazards.
             unannounced, there are times when advanced
             notice may be provided. This could include cases              credentials. Upon arrival, the inspector should be
             of imminent danger, times when it is necessary to             referred to the appointed key person. If they are not                   Hortica Receives Exclusive Endorsement
                                                                           available, the inspector may wait for a reasonable
             conduct inspections during non-working hours,
                                                                           period of time. The inspection may be limited or
                                                                                                                                                   from Master Nursery Garden Centers
             when advanced notice is necessary to assure the
             presence of personnel needed to conduct the                   could encompass the entire facility.
                                                                                                                                                         Master Nursery Garden Centers, Inc. (MNGC)               group health insurance quotes as well as other
             inspection, or when the commissioner determines                                                                                             is now exclusively endorsing Hortica Insurance &         employee benefit products such as Long Term Care
                                                                           The process begins with an opening conference
             that advance notice will insure a more effective and                                                                                        Employee Benefits as the property and casualty           and Key Man Insurance.
                                                                           during which the inspector will explain the role of
             thorough inspection.                                                                                                                        insurance provider for its members. MNGC, a
                                                                           OSHA and asks to conduct an inspection (OSHA                                                                                           “Hortica has been a long-time partner of MNGC,
                                                                                                                                                         member-owned nursery cooperative, is the largest
                                                                           needs your consent to conduct an inspection). You                                                                                      and this exclusive arrangement will ensure that all
             In any case, it is advisable to appoint a key person within                                                                                 independent garden center organization in the United
                                                                           will be informed of the scope of the inspection. If                                                                                    our members have access to the crucial property
             your organization to accompany the inspector, keep                                                                                          States. Among the features of the arrangement
                                                                           an inspection is refused, the inspector will inform                                                                                    and casualty products and the uniquely tailored
             notes and observations, take photographs of items of                                                                                        that will directly benefit MNGC members are a
                                                                           you that he/she may be back with a court issued                                                                                        customer service that Hortica provides,” said Bill
             interest to the inspector, formalize a report and send it                                                                                   standardized loss control training program directed
                                                                           warrant. It is not generally recommended to require                                                                                    Jameson, MNGC president and CEO.
             to the company’s attorney to establish an attorney-                                                                                         specifically to the operations of retail garden center
                                                                           the inspector obtain a warrant. In doing so you may
             client relationship. This person should be appointed                                                                                        stores, an insurance replacement cost valuation
                                                                           increase his/her curiosity and this usually ends in a
             before a possible inspection and should be familiar                                                                                         survey for owned buildings and greenhouse
                                                                           more thorough inspection and closer look at your
             with the inspection protocol and OSHA standards.                                                                                            structures by the Hortica valuation specialists,
                                                                           operations and facility.


To guide and provide ®                                                                                                                                                                                                                           www.hortica-insurance.com
Promotions and Recent Hires                                                                                                               Hortica Guides its Clients Through Nursery Crop Insurance Dilemma

                                  Joan Lebkuecher (CPA, CPCU, ARe, AIM, ARC, AIAF) was promoted to Chief Financial                                Up until this year, the process of buying nursery            For example, participating growers were required
                                  Officer, effective July 1. She has been with Hortica for more than 16 years, most recently                      crop insurance was relatively simple. Growers could          to substantiate their crop values. The most effective
                                  serving as controller and assistant vice president. Lebkuecher holds a bachelor’s degree                        simply state the value of their plants for the various       (and preferred) method of doing so is to utilize
                                  in accountancy from Eastern Illinois University and is currently completing her MBA at                          plant groups and a policy would be issued based              the USDA-provided DataScape software. However
                                  Southern Illinois University at Edwardsville. She is a member of the American Institute of                      on those values. No specific documentation was               growers must enter every size of every variety of
                                  Certified Public Accountants and Illinois CPA Society.                                                          required to support the plant values submitted. All          every plant in their inventory into that software
                                                                                                                                                  that changed for the 2009 crop year, beginning on            program — a task that could take large growers
                           Lark Swanson joined Hortica in April as a new               Dan Scroggins joined Hortica in May as a new               June 1, 2008.                                                weeks. Hortica responded by offering to do the work
                           agent serving Kansas, Nebraska and Western                  agent serving the state of Ohio. He is based                                                                            on behalf of its policyholders. Many nurseries took
                           Missouri. Prior to joining Hortica, she spent               outside of Cincinnati. Scroggins has worked in             After reviewing a number of claims, the Risk                 advantage of this offer, providing inventory reports
                           seven years as a regional representative for                the insurance industry since 2001, mainly for              Management Agency (RMA) —the USDA agency                     to Hortica. Our experts painstakingly entered the
                           Church Mutual Insurance Company.                            the Kentucky Farm Bureau.                                  responsible for administering the Federal Crop               inventory data in the DataScape program, prepared
                                                                                                                                                  Insurance Program— became concerned that some                the report and sent it to the grower for validation.
                           Bert Bader joined Hortica in April as a new                 Nicole Akemon joined Hortica in May as
                                                                                                                                                  growers may have overstated their values when they
                           agent in California’s San Fernando Valley,                  a new agent serving Central and Northern
                                                                                                                                                  arranged their insurance. When growers overstate             Many of our grower customers commented, had it
                           covering Ventura, Los Angeles and Orange                    California. She is based in Paso Robles. Prior
                                                                                                                                                  values, U.S. taxpayers are required to provide excess        not been for Hortica’s offer to key their inventory,
                           Counties as well as San Bernardino. Prior                   to joining Hortica, she spent 11 years gaining
                                                                                                                                                  subsidies. To prevent that from occurring, the RMA           they would have been unable to take advantage of
                           to joining Hortica, Bader worked in the                     insurance expertise from her parents, George
                                                                                                                                                  significantly increased the amount of data required          the protection covered by the policy.
                           commercial insurance brokerage field at                     and Shirley Pistoresi, at their family business,
                                                                                                                                                  to qualify for coverage under the program.
                           Scanlon and USI of Southern California.                     GSP Insurance Agency.
                                                                                                                                                                                                               Because Hortica deals extensively in nursery crop
                                                                                                                                                                                                               insurance, our agents have amassed considerable
                                                                                                                                                                                                               expertise in the specialization. Coupled with our
                                                                                           Records Update
New Agency                                                                                                                                                                                                     ability and willingness to take on the daunting task
                                                                                           Hortica is in the process                                                                                           of preparing DataScape reports for our customers,
             Professional Insurors Agency, LLC (PI) recently joined the Hortica            of updating our client                                                                                              Hortica is truly gaining a reputation for being the
             family as a new independent agency serving Oklahoma. Founded                  records. If you haven’t                                                                                             premier provider of federal nursery crop insurance.
             in 1977, PI just celebrated 30 years in business and moved into a             been contacted already,
             newly remodeled headquarters in Oklahoma City. PI is a member                 expect a call soon from
             of the Oklahoma Nursery & Landscape Association, Oklahoma                     a Hortica representative
                                                                                                                                                                                                                 Hortica Receives Service Award
             Greenhouse Growers Association, Independent Insurance                         to verify your current
             Agents & Brokers Association (IIABA), The Greenwich Group,
                                                                                                                                                                                                                   Quick. Kind. Correct. That is how The
                                                                                           contact information,
             and Professional Insurance Agents. PI was named 2008 “Best                                                                                                                                            Flanders Group defines the exemplary
                                                                                           including email addresses.
             Commercial Lines Agency” by Oklahoma City Business magazine                                                                                                                                           customer service their agents and
                                                                                           Hortica is “going green.”
             and was selected as a Best Practices Agency in 2006 and 2007.                 Obtaining current email                                                                                                 customers receive from Carmen
                                                                                           addresses will allow us to                                                                                              Kruschik, Karen Morgan and the entire
             Kelly Miller (CIC) is president of PI. He holds a bachelor’s degree           provide our customers                                                                                                   Hortica Claims Department. That is
             in business administration from Oklahoma State University and is              with important updates,                                                                           (Left to right)       why they are receiving The Flanders
             currently the treasurer and a board member of the Commercial                  company announcements,                                                  Chris McVicker, CeO Flanders                    Group’s Excellence in Service Award.
                                                   Real Estate Council. He is a past       industry news and helpful                                           Mona Haberer, Pres/CeO Hortica                      Started in 1995, the award honors
                                                   board member of the IIABA of            articles on insurance topics                                             Karen Morgan, Hortica sales                    those who go above and beyond the
                                                   Oklahoma and former editor of           relevant to your business.                                      Carmen Kruschik, Hortica underwriting
                                                                                                                                                                                                                   call of duty for their customers.
                                                   its publication, Policy Magazine.                                                                        Mike Pollack, Vice-President Flanders


To guide and provide ®                                                                                                                                                                                                                   www.hortica-insurance.com
     New Loss Control, Safety and Claims Resources Available
                                                                                                  INSURANCE & EMPLOYEE BENEFITS
                      Hortica has developed the following easy-to-use resources to assist                  To guide and provide
                      clients in preventing losses and reporting claims:
                                                                                                           #1 Horticultural Lane
                      	          •		Loss	Control	&	Safety	Material	CD
                                                                                                          edwardsville, iL 62025
                      	          •		Loss	Prevention	&	Claims	Kit	CD	                                              800-851-7740
                      	          •		“Members	Only”	Loss	Control	&	Safety	Services		   	             www.hortica-insurance.com
                                     section on the Hortica website
                                                                                                            Mission Statement:
                      The CDs and “members only” website section provide helpful materials
                                                                                                       To guide and provide our
                      and programs tailored to green industry businesses including, but not             customers with superior,
                      limited to:                                                             cost-effective insurance solutions.
                      	          •		Safety	program	sample	templates
                                                                                                            Board of Directors:
                      	          •		Tailgate	training	topics	(English	and	Spanish)	
                                                                                                    M. James Leider, Chairman
                      	          •		Safety	guides,	checklists	and	quizzes
                                                                                                                 John A. baisch
                      	          •		PowerPoint	training	programs
                                                                                                             Cornelis boonman
                      To access online safety materials, visit www.hortica-insurance.com,                      Mona b. Haberer
                      select the “Resources” tab, and click on “Loss Control & Safety.”                      Thomas b. Kearney
                      First time users must click on “Register Here” and complete a short                    Lindley s. Mann, Jr.
                      registration form.                                                                       John e. smith, Jr.
                                                                                                              Randall e. Tagawa



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edwardsville, iL 62025                                                                                               Edwardsville, IL

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