Florist Shops and Springtime Coverage!
Get the Right Coverage for your Business
As the days grow warmer, and the flowers begin to bloom, it’s vital to make sure your Florist Shop is correctly insured. From weddings to proms, Easter, and Mother’s Day, Springtime is the highest demand for floral arrangements. Business Insurance is incredibly important to have in place in the event of seasonal/weather related risks, injured employees, damaged equipment, and any other risk exposure your business may face.
What Kind of Coverage is Needed for Floral Businesses?
Read more below about different insurance coverages available, and how to properly insure all aspects of your Florist Shop this Spring!
Business Owner’s Policy (BOP) -
Many business owners start out first with a Business Owner’s policy that combines different types of insurance coverages. These coverages can help protect businesses from a variety of risks.
General Liability protects the business from claims that cause injuries or property damage to others, such as a customer falling from a wet floor.
Commercial Property Insurance protects your owned or rented building, tools, equipment, and covers losses. Some examples of items that would be covered specifically for a Florist Shop may include:
- Flowers
- Hoses
- Computers
- Tape and wire
- Scissors and cutters
- Flower coolers
Workers’ Compensation Insurance -
Workers’ Compensation Insurance provides medical and wage benefits if an employee has a work-related injury or illness. This includes but is not limited to:
- An employee slips and falls
- Car accident while on the job
- Employee cuts themselves on tools
Liquor Liability Insurance -
Coverage in the event someone gets hurt, or causes damages after drinking alcohol from your florist shop, whether the alcohol is sold in gift baskets or offered at an event.
Errors and Omissions Insurance -
Whether an item gets delivered to the wrong address, or someone assembles the wrong floral arrangement, Errors and Omissions coverage protects your business in the event a mistake is made that affects the customer.
Commercial Auto Insurance -
Commercial Auto Insurance can help cover the costs in the event of an accident involving vehicles that are used for your florist business. Whether you finance, own, or lease the vehicle, it will be protected with a commercial auto insurance policy.
Get a Quote for your Florist Business Today!
If you currently own a florist shop or you are a florist looking to start your own business, talk to one of our local agents today. Get a free, no obligation quote to ensure you have all the right coverage in place, at the most competitive rate. Call us at 518-346-2886, visit us at 1214 Troy Schenectady Rd in Latham, NY, or submit an online quote below.