Protect Your Personal Assets as a Small Business Owner

When starting a small business, the legal and liability issues that you face can seem daunting. You’ve got a great idea that you want to bring to the world, but you feel bogged down by choosing the right legal structure and the right insurance coverage. But protecting your personal assets as a small business owner is essential.

You might be tempted to go the easiest route, operating as a sole proprietor and having little separation between you and your business. But as you grow and your business becomes more complex, this arrangement can leave your personal assets vulnerable to claims or lawsuits.

Keep reading to learn about the various legal structures and liability insurance options that can help protect your personal assets regardless of what happens in your business.

Learning about protecting personal assets for small business owners. 

Protect Yourself With an LLC

A Limited Liability Company, or LLC, is a legal business structure that keeps your business assets and liabilities separate from your personal ones. If you create your LLC properly and take care to keep your bookkeeping, bank accounts, and assets separated, an LLC can protect you if your business is sued or needs to declare bankruptcy. You can create an LLC yourself on several legal assistance websites, but we recommend consulting with a professional to make sure your LLC is set up correctly.

A single-member LLC (with only yourself as a member) is very straightforward; if you have a business partner (even your spouse), you will need to create a multi-member LLC and determine what percentage of the company each member owns. After switching from a sole proprietorship to an LLC, check with your tax preparer to learn about any changes to your taxes.

Protect Yourself With the Right Insurance

Commercial insurance coverage is the best way to protect your personal assets, whether you form an LLC or operate as a sole proprietorship. Make sure you take the time to understand all of the coverage options so that your assets are protected on all fronts. The right policy for your business depends on several factors.

General Liability Insurance

This is the basic form of commercial insurance and covers your basic liability if someone gets injured or property is damaged in the course of your work. It can cover things like legal fees as the result of a lawsuit, or costs relating to copyright issues. A general liability policy is a good foundation to build on, but it doesn’t cover every situation your business might face.

Business Owner’s Policy

To go one step further than general liability insurance, you may want a business owner’s policy. This kind of insurance generally combines a general liability policy with additional property protection.

Commercial Vehicle Insurance

If you use cars or trucks as part of your business, you need to consider a commercial vehicle insurance policy. While you can use your personal auto insurance to cover vehicles that are used for both personal and business purposes, a commercial policy may provide better protection. If you have vehicles that are only used in your business, they need to be covered by a commercial vehicle policy.

Workers’ Compensation Insurance

A workers’ compensation insurance policy protects your business from costs incurred by worker injury, long-term issues like repetitive stress or lung damage, and even the death of a worker. Many states require workers’ comp if you have insurance, so be sure to check your state’s laws when making a decision about your workers’ compensation insurance.

Commercial Umbrella Policy

One way to make sure you’re covered against a truly catastrophic event is to have the right commercial umbrella policy. This type of insurance policy expands the coverage provided by other policies. Your insurance agent can help you determine the right scope for an umbrella policy depending on your business type, size, and value of assets.

Professional Liability/Errors & Omissions Insurance

For certain types of businesses, a professional liability policy is needed in addition to other types of liability insurance. This type of commercial insurance usually applies to financial losses suffered by a client of the business due to errors or omissions committed by the insured. It is usually needed by professionals like accountants, attorneys, or consultants.

No matter what type of business you own, it’s in your best interest to protect both your business and personal assets with the right commercial insurance policies.

How to get a Quote can help you compare policies, get quotes, and find the right commercial insurance policy for your needs. Our mission is to help small businesses find the most affordable commercial insurance. At, we have access to industry-focused experts. You can visit our website and enter your zip code or call us at 1-877-907-5267 for a quick and easy quote.

Get Your Rideshare and Delivery Businesses on the Road with the Right Commercial Insurance

Uber, Lyft, and other rideshare companies have made it easy for people to use their personal vehicles for business. Many takeaway food services also hire individuals to deliver food to customers. Other companies, including Amazon Flex, hire private drivers for deliveries, too. This type of business allows people to earn extra income using their own vehicles.

Find the right commercial insurance to protect yourself and your vehicle as you rideshare or deliver cargo.

Insurance is required for all owners and drivers of vehicles. But if you want to use your car for business purposes, your personal coverage may not be enough. Special hybrid policies are now available so you can use your vehicle for rideshares or deliveries. Carefully examine your individual policy or talk with an insurance expert to determine what is already covered. Then you can decide what additional insurance for business you need, even if the company you work with has some degree of third-party coverage. CommercialInsurance.NET can help you find the right coverage for deliveries and ridesharing.

Do You Want to Start Ridesharing?

Uber and Lyft are the most well-known rideshare companies, but other rideshare businesses are forming throughout the country. Both Lyft and Uber have a $1 million policy program to cover drivers if:

  • They are in accidents driving to pick up a passenger, or
  • They have passengers in their vehicles.

However, the companies expect drivers to have their own personal liability, collision, and damage insurance. These two major rideshare companies have smartphone apps that drivers turn on when they are available. This process is divided into three phases or periods.

  • Phase one is alerting the company that you are available for service.
  • Phase two is accepting an assignment and driving to the pickup location.
  • Phase three is delivering passengers to their destination.

Phase One

Lyft and Uber will not cover you if there is an accident while you are waiting for a pickup call. You could be in your vehicle after you drop off passengers and are driving to a more central location to wait for another pickup. If someone cuts in front of you and causes a fender-bender, you will not be covered by Lyft or Uber. Your personal insurance will have to cover damages if you are not on your way to a pickup.

Phase Two

If you cause a collision while you are headed to a pickup location, the rideshare company will cover damages to your vehicle. They may also cover any medical claims if you are responsible for the accident. But this could your personal insurance record and it will potentially harm your position with the company.

If someone else hits your vehicle, that person’s insurance should cover any damages and medical costs. If the offending driver does not have sufficient insurance, Lyft or Uber should make up the difference with their insurance.

Phase Three

Passengers are covered by the two rideshare companies if there is an accident when they are in the vehicle. Who caused the accident and how it happened will also be important. As with the second phase, another driver will be liable for damages if he or she caused the accident.

The rideshare driver should report an accident immediately to the police. The incident should also be reported immediately to the rideshare company and the driver’s private insurance company. If you want to work with another ridesharing company, talk to an insurance representative for each company’s coverage details.

Do You Want to Be a Delivery Driver?

You may decide to work part-time delivering pizzas, other foods, or cargo to customers in your own vehicle. As one-day delivery becomes standard, there’s plenty of demand for enterprising individuals to start their own delivery routes. The types of personal and commercial coverage you need will depend on the company and the products to be delivered. You will be an independent contractor and you may need a separate business license in some states.

Will You Be Handling Cargo?

Your personal vehicle insurance will probably not cover deliveries, especially in regards to cargo. Separate commercial insurance that covers cargo may be required before you can work as an independent delivery service. Many insurance companies believe that cargo delivery drivers require more insurance than rideshare drivers. The drivers are responsible for the cargo while it is in their vehicles. Drivers make more stops and the cargo can be damaged or even stolen.

Doordash and Postmates are two companies that hire independent delivery people and provide third-party excess insurance for drivers making deliveries of food and groceries. Some Uber drivers also deliver food. All companies require drivers to carry their own personal liability and damage insurance. Third-party excess insurance only covers property damage or bodily injuries if they are not completely covered by the driver’s personal insurance.

Pizza franchises that do not have their own vehicles may also provide third-party insurance coverage while the delivery is in progress. Drivers must carry their own comprehensive insurance.

At CommercialInsurance.NET we will help you find the right insurance to cover your rideshare or delivery service. We will find policies tailored to your needs based on the type of services you offer. Your vehicle and its safety features are always taken into consideration along with your driving record. We will find you the best companies and policies for your new business. Get a quote fast and easy with us by calling 1-877-907-5267 or visiting our website and entering your zip code.

What Type of Insurance Do Landscapers Need?

As a landscaper, you might find yourself wondering: “What Type of Insurance Do Landscapers Need?” Don’t worry, you have come to the right place! is here to help.

Landscaping can be a dangerous business. As the business owner, you want to make sure your business is protected with the best insurance policy to meet the needs of your company.

Landscaping is such a broad term that it is important to have an insurance policy that will cover your business for the specific services YOUR business is providing.  

Here are examples of services you may provide:  

  • Landscape architecture
  • Landscape design
  • Landscaping maintenance
  • Lawn maintenance

Each of these services comes with their own different set of risks. This is why it so important to evaluate your landscaping services before receiving a quote. It is more cost-effective to only be quoted for the risks your business is involved with.

landscapers working on lawn and garden
Affordable commercial insurance for your landscaping business


Different Types of Landscaping Insurance and Why You Want Them

  • General liability, also known as slip and fall insurance, commercial general liability, or commercial liability, is typically the first type of insurance we suggest for any business. General liability insurance will cover your cleaning business in any instances of damage to the customer’s property, bodily injury, or lawsuit.
    • Example: Billy is mowing the lawn and a rock flies from the mower and the customers windshield is shattered. If you don’t have insurance the windshield replacement could come out of your pocket. But with general liability you can rest easy knowing your landscaping business is covered.


  • Workers’ compensation, also known as workers’ comp, is another valuable option for your cleaning business. Some states require workers’ comp insurance. This policy will cover your employees if they are injured on the job. This includes helping pay medical bills, lost wages, or in the event they try to sue your business.  
    • Example: Billy is on the clock trimming hedges when he injures himself. He needs medical attention fast. Workers’ comp will cover the bill from the emergency room so you can rest easy knowing you are protected and so is Billy.


  • Property insurance is another important coverage to consider. This type of policy will protect your building, furniture, and business equipment if there is damage, theft, or vandalism. In certain situations, you will be covered from weather damage as well.
    • Example: A thunderstorm is roaring through your town and limbs from a tree break your store window. Don’t fret: your property insurance will provide coverage.


  • A business owner’s policy is a great option to consider since it bundles general liability and property insurance. Bundling policies can often save you money!
    • Example: This policy covers your landscaping business in the same way as each individual policy. This policy, however, can save you money!


  • Professional liability, also known as errors and omissions, is an additional policy that comes in handy. This policy protects against negligence, civil suits, and professional mistakes. This policy will cover legal fees too.
    • Example: You provide a recommendation to a client about a specific lawn treatment and, after taking your advice, the customer’s yard dies.  If they sue your company, you are covered.
Landscaper mulching flower bed
What type of insurance do I need for my landscaping business?

Which Commercial Insurance Option Should I Choose?

Now that you understand the basic insurance options available, consider the services that your landscaping business offers. It is also important to know your budget for insurance premiums.

It is a good idea to select the most coverage you can afford. As mentioned before, general liability insurance is a good starting place. This is true for every business! Do you have employees? Does your state require workers’ compensation insurance? If so, workers’ comp would be a solid second option.

How do I get an Affordable Insurance Quote?

At Commercialinsurance.Net, we understand the needs of a small business. We are dedicated to assisting you in finding the right coverage at a price you can afford. We have many competitive options to get you an insurance quote fast.

  • You can visit our site,, and fill out the form at the top of the page,
  • Contact us by phone at 1-877-907-5267.

What Type of Insurance Do I Need For a Cleaning Business?

As a cleaning business owner, you might find yourself wondering: “What type of cleaning business insurance do I need?”. We at Commercialinsurance.Net are here to help by making this process quick and simple.

A cleaning business, referred to as a janitorial business, can be demanding and full of risks. As the business owner, you want to make sure you are covered with the right policy that will meet your company needs.

First, a cleaning business can offer such a large variety of services that it is important to list the services that your specific business provides.  This will ensure that your policy meets all of your needs. This is also a money-saving move because you will be purchasing the correct amount of coverage for your cleaning business.

Here are a few examples of services your business might provide:

  • Vacuuming, sweeping, mopping, dusting
  • Trash removal and recycling
  • Restroom cleaning
  • Carpet cleaning
  • Stripping and waxing
  • Window cleaning
  • Exterior cleaning, such as power washing

Each service comes with its own risks, but not all risks are created equally. This is why it is critical to know what services you will provide or are willing to provide. This information is key to getting an accurate insurance quote and the right amount of coverage for your business.  

Cleaning business

Different Types Of Cleaning Business Insurance and Why You Want Them

  • General liability, also known as slip and fall insurance, commercial general liability, or commercial liability, is typically the first type of insurance we suggest for any business. General liability insurance will cover your cleaning business in many instances of damage to the customer’s property, bodily injury, or lawsuit.
    • Example: You are cleaning a customer’s house.  While you are dusting, you break a valuable vase. Your general liability policy will cover the accident/damage to the customer’s property. If your cleaning business didn’t have a general liability policy, this would have been an out-of-pocket cost.
  • Workers’ compensation, also known as workers’ comp, is another valuable option for your cleaning business. Some states require workers’ comp insurance. This policy will cover your employees if they are injured on the job. This includes helping pay medical bills, lost wages, or in the event they try to sue your business legal fees will be covered.  
    • Example: Roger is employed with your cleaning business. In the process of cleaning a customer’s property, he falls from the stepstool and injures his back. He goes to the urgent care and later completes physical therapy. Your workers’ comp policy will cover your employee by assisting with medical costs and lost wages.
  • Property insurance is another important coverage to consider. This type of policy will protect your building, furniture, and business equipment if there is damage, theft, or vandalism. In certain situations, you will be covered from weather damage as well.
    • Example: A thief breaks into your office and steals important equipment. A property insurance policy will cover this incident and you can worry a little less.
  • A business owner’s policy is a great option to consider, since it bundles general liability and property insurance. Bundling policies can often save you money!
    • Example: This policy covers your cleaning business in the same way as each individual policy. This policy, however, can save you money!
  • Professional liability, also known as errors and omissions, is an additional policy that comes in handy. This policy protects against negligence, civil suits, and professional mistakes. Professional liability will cover legal fees too. Professional liability is definitely needed when you are offering your expertise.
    • Example: You are cleaning a customer’s custom wood table, but the cleaning solution you are using damages the piece of furniture. Your professional liability will assist in covering the damages.

Which Insurance Coverage is Right For My Cleaning Business?

After learning a little more about the different types of insurance for a cleaning business and knowing the services you are willing to provide, it will be easier to determine the best coverage for your business.

It is always smart to purchase the most coverage you can afford. We typically recommend general liability insurance as a good starting point. We then suggest evaluating if you have employees or property to protect.

Insuring your business for its associated risks is how any insurance company will help you determine the best policy for you. If you have employees, we suggest getting a workers’ comp policy. If you want general liability and property insurance, we would then suggest a business owner’s policy.

How do I get an Affordable Insurance Quote?

At Commercialinsurance.Net, we understand the needs of a small business. We are dedicated to assisting you in finding the right coverage at a price you can afford. We have many competitive options to get you an insurance quote fast.

  • You can visit our site,, and fill out the form at the top of the page.
  • Or contact us by phone at 1-877-907-5267.


New Year, Big Changes

January signifies for most of us new beginnings full of high ambitions and good intentions. This is also true for many businesses; they see the new year as a way to develop, change and expand themselves.

At Commercialinsurance.NET (CINET) we see these new possibilities and we are enthusiastic for 2019; our mantra this year is going to be “New Year, New Company”.

What does this mean? We have been busy helping businesses find great deals on insurance all year long. But along the way, we made a change of our own. After partnering with Insurica Express for three years, we have sold a portion of our book of business to them.

This does mean changes for CINET, but before we get into the changes, let’s talk about what we will never compromise. We will always provide world class service to our customers, our relationship with our employees, and look ahead to new partnerships. In addition, we will continue streamlining the insurance experience as a whole. We will always be committed to helping businesses get an insurance quote fast, easy, and find the most competitive rates on the market. This is who we are.

So what is changing? We get to refocus on our roots. Our passion is nurturing our first customer, the employee. Another goal of CEO, Mark McClure, is for our employees to be proud of the company they work for and the work they are doing. After all, one of our core values is to, have fun and laugh. CINET will look forward to establishing new partnerships to make our commitments to our customers that much easier and open more doors for them. Andrea McKinney, General Manager of CINET, boasts “This sale has created a huge opportunity for CINET, it has given us the potential to work with many insurance providers nationwide to help better serve our customers.”

Moving forward, both companies will be thriving, but in different locations. With these changes comes hard transitions and sad goodbyes to dedicated employees, friends, and everyday working relationships. Dain Wise, Sales Manager at Insurica Express, sympathizes, “[CINET] is a good group and I’ve really enjoyed working with and getting to know all of [them] over the last 3 years.” CINET’s Mckinney shares the same sentiment, “I really enjoyed working with the sales team and will miss seeing each of them every day.

CINET looks forward to a continued partnership with Insurica Express as we work on honing our niche insurance business. Insurica Express is also excited about the increase in synergy between the two companies moving into the new year, according to Wise.

Consider Umbrella Insurance…For a Rainy Day

If you’re a responsible business owner who has done their research and purchased business insurance for every aspect of their business–Workers Compensation, General Liability, Commercial Auto–you may wonder what Umbrella Insurance is, and if you need it.

Excess Liability or Umbrella Liability Insurance is a coverage that’s intended to provide for instances when the limits of your foundational policies are exceeded. In the unhappy event of a lawsuit against you, if the legal fees exceed the provision of your General Liability policy, this is the addition that would help out.

It’s possible that if there’s one thing that outstrips the frustration business owners feel at having to pay regular premiums for insurance, it’s the fear that all of that insurance might be necessary one day.

If something could surmount that concern…it would be the worry that it wouldn’t cover all of it.

This is where Umbrella Liability Insurance comes in.

Several factors come into play when considering whether Umbrella Liability Insurance is a good investment for your particular business and where it can be most beneficial in your risk management plan.

  • Average cost of damages. Different fields have different risks; investigating your segment’s typical court case can help you identify the amount of coverage you need.
  • Necessity of staff. One response to unexpected cost, when underinsured, is for businesses to cut staff or expenses. If you run close to the line every month–or can’t afford to do without any of your team–the extra cost of an Umbrella policy could be well worth it.
  • Type, location, and size of business. All three of these will affect your need for umbrella insurance, and also the cost of it.

It’s important to note that Umbrella coverage is an extension of liability insurance, but there may be instances when there are limits. Nothing replaces speaking with a professional who can answer questions about your specific business and insurance needs.

Call us today at 1-877-907-5267 for help evaluating or creating your business’s risk management plan. Don’t wait until it’s too late–have enough insurance coverage before an event occurs.

Insurance for Booth Renters…Don’t Get Caught Without It!

Woman wearing gloves giving a client a manicure
Is your manicurist booth covered?

As a service professional who rents booth space–whether you’re a manicurist, hair stylist or another personal service provider–you may know that you need a General Liability insurance policy to cover your obligations to your salon or spa…but insurance for booth renters should protect the booth renter, as well.

Beyond the parameters of a General Liability policy (which covers “slip and fall” accidents where a third party is injured or suffers damages and is usually required by salons) insurance for booth renters can cover a multitude of professional exposures, and it can make the difference between an occurrence being a blip on your work radar or a career-ending event.

If you are considered an independent contractor, you have the responsibility for ensuring that your livelihood is protected. Business Interruption coverage, when added to a basic policy for insurance for booth renters, will help you meet your obligations in case something temporarily halts your ability to work.

In the beauty industry, your tools are your trade. If they should be damaged or stolen, it can cost more than you may have on hand to replace them. When insurance for booth renters includes Inland Marine, instances of damage or theft may be covered.

Professional Liability encompasses damages or injuries that occur due to the services you are performing. (Make sure you only perform services that you are licensed to give.) If a client is burned or hair is damaged, this is the coverage that would apply, if it falls under the parameters outlined.

Senior woman hairdresser holding a hair setting spray and a brush at salon. Hair stylist in a happy mood while at work in salon.
Is your stylist booth covered?

Worries about cost top the list of questions that hair stylists and manicurists have about insurance for booth renters, but keep in mind that insurance is something to have in place for unexpected events–no one wants to imagine negative occurrences, but accidents happen. Unforeseen events have unforeseen costs; the regular premium you pay for insurance for booth renters is an investment in the continuing success of your business.

Call 1-877-907-5267 today to speak with an insurance professional about insurance for booth renters–find the coverage that fits your business, and your current situation, and a plan for managing your risks as your clientele grows.

Properly Insure Your Liquor Store

cashier holding liquor bottle toward camera standing by cash register
Is your liquor store properly insured?

Owning a liquor store means providing a product that is a large part of most celebrations, and it’s something that will never go out of style, but your potential risks are as big as your potential benefits–your liquor store insurance coverage should be a big consideration in your business planning.

As a business owner you choose the endeavors that will hopefully be the most rewarding, both financially and otherwise; you’ve probably given thought to your shop’s location, and the stock you’ll carry, and you probably know some of the basic risks. Deciding on the amount and type of liquor store insurance to purchase can feel almost like gambling; do you really need to take on more overhead in the form of bigger premiums? If it covers your general bases, like slips and falls, does your liquor store insurance really need to do more?

A good rule of thumb when comparing quotes for liquor store insurance–or any business insurance–to look at coverages in addition to costs. Many business owners looking for a streamlined solution opt for a “BOP” or Business Owner’s Policy.

It covers:

  • Business Interruption. This is a coverage that can help you meet your obligations in case an event occurs that temporarily sidelines your income.
  • Commercial Property. The building and equipment you use should be covered by a commercial property policy.
  • General Liability. This is a basic, foundational policy that can help with damages if you’re found liable for injury to a third party.

A BOP can give you a starting point for your liquor store insurance that you can build on as you grow. Other exposures to consider are…

  • Employee Dishonesty. It is possible to protect yourself through endorsements on your liquor store insurance from certain acts by employees.
  • Crime Insurance. It’s an unfortunate fact that liquor stores are often targeted for robberies; ask your insurance professional about coverage for your liquor store insurance that may cover costs in case of robbery.
  • Umbrella Coverage. The number of lawsuits brought against liquor stores should highlight the wisdom of considering additional coverage for your liquor store insurance policy; an umbrella policy extends the limits of your coverage in case it’s needed.

It may seem as if liquor store insurance is simply one more cost to take into account, and another expenditure that you can economize on, but consider how expensive a lawsuit can be, or what a loss to close your doors for good over an incident that could have been paid for with the correct coverage.

Call one of our specialists today at 844-255-8660 or click here for a quick, free quote on your liquor store insurance.

Insurance for a Laundromat

Neon sign on black background, red colored hanger with the word laundromat in blue underneath.
Is your laundromat covered?

Any livelihood that handles large amounts of customers’ personal property needs significant risk management; your laundromat insurance policy should be given close attention.

Your business is also based on optimally functioning equipment; whether you have ten units or one hundred, their welfare should be a big consideration in your laundromat insurance policy.

Details like whether your washers and dryers are coin operated, or if you offer dry cleaning services or delivery matter, as well; make sure that the professional helping you with your laundromat insurance understands the nuances involved with your business.

Other considerations for finding the best laundromat insurance policy…

  • Hours of operation. Are you open 24 hours a day?
  • Services. Are you strictly a coin-operated facility? Do you offer wash and fold services? Dry cleaning? Delivery?
  • Additional amenities. Do you provide coffee for customers? House vending machines?

Any business’s risk management plan should start with General Liability, a foundational plan that protects you against claims of physical damage or bodily injury; your laundromat insurance should be based on this coverage.

However, this isn’t where it should end. The building, your equipment, all of it needs to be insured to ensure that you can go on if an event damages the things you need to operate.

The bottom line is always an issue when it comes to running a business, and laundromats may be especially prone to cost consideration since their revenue can be unpredictable at times.

A good laundromat insurance policy isn’t simply one more cost; it’s a measure that could help keep your business afloat in case of an accident or event that would otherwise cost more than you can afford. The “pay now or later” mindset applies, when gambling that less coverage is better for your budget.

Affordable options for laundromat insurance exist, however, and a common tactic to simplify the insurance process is to combine coverages for business owners into packages. A “BOP” (Business Owner’s Policy) is one way to do this; Commercial Property coverage and Business Interruption insurance are put together with General Liability to form a coverage for business owners that can provide peace of mind with a reasonable plan.

Call one of our specialists today at 1-877-907-5267 or click here to find the best solution for your laundromat insurance needs.

The Right Insurance for Your Floral Shop

Person with long red hair wearing a smock, putting together a floral arrangement in a florist shop.
Is your floral shop covered?

The series of events that make up our lives–births, holidays, consolation over the loss of loved ones–are often accompanied by a gift of flowers. To own a floral shop is to provide the means to mark significant occasions; your floral shop insurance is more than your livelihood, it’s how you help humanity give gifts of beauty.

History has proven that sending or bringing flowers is a time-honored tradition, but modern business practices make it more and more challenging to keep a competitive edge in the floral business; your floral shop insurance needs to cover certain common exposures to keep you thriving.

Any business is susceptible to a host of risks, and your floral shop insurance should cover business insurance basics, as well as some of the more unique florists’ exposures. These could include…

  • Loss of inventory. Your entire operation depends on living things. A refrigeration malfunction or delayed shipment could have significant consequences if it’s not covered by your floral insurance policy.
  • Heavy vehicle use. If you deliver, your commercial auto policy is a big part of your floral shop insurance. Make sure it covers everything it can.
  • Client information. Repeat customers can be the lifeblood of a florist’s business; if you store client data, you may need protection in the event of a cyber loss. A cyber endorsement can be a good idea for your floral shop insurance policy.

The mainstay of any business should be a general liability policy; this protects you from claims from third parties involving physical injury or damages. Your floral shop insurance should provide coverage in case a claim arises. In addition, workers compensation may be necessary if you have employees, and commercial property insurance will protect your premises and equipment.

A choice often made by business owners is a Business Owner’s Policy (“BOP”) which combines General Liability and Commercial Property policies with Business Interruption coverage, which provides a way to cover some costs if an event happens that interferes with normal operations.

Call 1-877-907-5267 today to speak with one of our insurance specialists about your floral shop insurance policy.