Horizon Insurance Group is a full-service independent insurance agency representing a full array of respected, top-rated insurance companies. Its independence gives clients access to national insurance carriers as well as selected regional providers. The company s goal is to provide clients with a comprehensive insurance program at one of the most competitive prices available. James Mann and Michael Mustacci established Horizon Insurance in 1989. The company has grown to more than 50 employees with nearly $30 million in annual premiums. Products include general liability, professional liability, product liability, property, automobile, workers compensation, umbrella, employment practice liability, captive insurance programs, risk retention groups, retirement plans, business continuation plans, estate planning, annuities, life insurance, disability insurance and long-term care plans. Horizon Insurance Group is headquartered in Phoenix.