Florist Shop Insurance to Help Your Business Flourish
We know the challenges and risks you face while running your florist business. That’s why we’ve created flower shop insurance especially for you. We’re here to help protect your business so you can focus on continuing to make it grow.
Why Is Insurance for Florists Important?
Running a successful flower shop means you face unique risks every day. From employee injuries to damaged equipment, accidents can put your flower shop at financial risk. That’s why business insurance is essential to helping you grow.
Common Coverages for Florist Business Insurance
General Liability Insurance
General liability insurance can help cover claims that your flower shop caused bodily injury or property damage. For example, if a customer slips on your wet floor after you watered your flowers, this insurance can help pay for their medical bills.
Commercial Property Insurance
Commercial property insurance helps protect your owned or rented building and the equipment you use to run your flower shop. This includes:
- Flowers
- Hoses
- Floral wire and tape
- Scissors and cutters
- Flower coolers
Business Income Insurance
Business income insurance, also known as business interruption insurance, can help replace your lost income if you can’t open your flower shop because of damage to your property.
Get Started With a Business Owner’s Policy (BOP) for Florists
Many florists start with a Business Owner’s Policy (BOP) for their insurance needs. It combines three essential types of coverage:
- General Liability Insurance
- Commercial Property Insurance
- Business Income Insurance
Taking Care of Your Flower Shop Team
Running a flower shop comes with lots of responsibilities and risks. From cutting and arranging flowers to ensuring they have enough water, your employees can get hurt on the job. Help protect them with flower shop insurance.
Employee Injuries
Workers’ compensation insurance gives your employees benefits to help them recover from a work-related injury or illness. With our coverage, your employees have access to over 1 million providers and 65,000 pharmacy locations in the country.
Customer Lawsuits
Florist errors and omissions insurance can help protect your business if a client sues you for making a mistake in your professional services. Also known as professional liability insurance, this coverage can help pay for your legal costs, settlements, and judgments.
Covering Your Flower Shop’s Property
A fire, storm, or other property damage can prevent you from opening and running your flower shop. Florist insurance can help you make the necessary repairs to get back up and running after a covered property loss.
Property Damage
Commercial property insurance can help cover your repair costs if your flower shop gets damaged. If your equipment gets damaged, this insurance can also help cover the repair or replacement costs.
Perishable Goods in Transit
Get coverage to help protect perishable goods in transit. If they spoil, this insurance can help pay the costs to replace them.
Covering Your Flower Shop’s Operations
We understand that running a flower shop is hard work. With the right flower shop insurance coverages, you can help protect your business from different risks and help it stay successful.
Lost Income
Business income insurance can help recover your lost income if your shop has to close because of property damage.
Florist Event Insurance
Whether you’re offering classes with drinks or selling gift baskets with alcohol, you can add liquor liability coverage to your flower shop insurance. This helps protect your business if someone gets hurt or causes property damage after drinking at your shop.
Florist Shop Insurance Made Just for You
When it comes to running a successful floral shop, you need an insurance company you can trust and rely on.
