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Owning and running a flower shop can be intense and stressful. Don’t let your commercial florist insurance become another document in a file.

Having a good commercial florist insurance policy in place will reduce stress and worry down the road. Spend your time creating new and exciting pieces for your clients and not worrying about a commercial florist insurance policy, because you know you are covered.


Florist Insurance Coverages

A good commercial florist policy should cover employees, buildings and equipment, loss of income, and general liability. Due to the nature of the work, a shutdown or business interruption could be disastrous. Make sure a loss of income insurance is included.

 A flower shop insurance policy needs to provide coverage for a variety of risks. There are a number of coverage options with varying limits and deductibles. Talk to your licensed insurance professional to review what is available. It may make sense to get product liability insurance as part of the package too.

In addition to these coverage options, your flower shop insurance should cover workers compensation, property, and general liability. Other specialty coverage that is available includes plate glass and signage for your retail shop

The flower shop business is a complex business. Make sure you discuss the distinct aspects of your business with your licensed insurance professional so they can help you determine the appropriate coverage.


Sample Florist Insurance Quote

PRETTY PETALS Florist  Policy Premium = $1,224.00    Policy Premium = $2,359.00
   Limit     Limit 
General Aggregate   $                                        2,000,000.00    $                                     2,000,000.00
Products – Completed Operations Aggregate   $                                        2,000,000.00    $                                     2,000,000.00
Each Occurrence  $                                        1,000,000.00    $                                     1,000,000.00
Personal Injury and Advertising Injury   $                                        1,000,000.00    $                                     1,000,000.00
Damage to Premises Rented to You   $                                           300,000.00    $                                        300,000.00
Medical Expenses – Any One Person   $                                              5,000.00    $                                           5,000.00
Contractual Liability (As Defined)  Included     Included 
Limited World Wide Liability (Lawsuits brought in the US)   Included     Included 
Business Personal Property -  $                                             95,000.00    $                                           95,000.00
                 REPLACEMENT COST       
                Coinsurance – Waived       
Business Income & Extra Expense  12 consecutive months     12 consecutive months 
                 Actual Sustained Loss       
Accounts Receivable:      
               On Premises  $                                            25,000.00    $                                            25,000.00
               Off Premises  $                                            25,000.00    $                                            25,000.00
Building Glass Included      
Combined Ordinance or Law   $                                            25,000.00    $                                            25,000.00
Debris Removal  $                                            25,000.00    $                                            25,000.00
Equipment Breakdown Included      
Money and Securities Included in BPP      
Money Orders and Counterfeit Paper Currency Included in BPP      
Ordinance or Law   $                                            25,000.00    $                                            25,000.00
Peak Season 25% Seasonal Increase for BPP      
Property Off-Premises – Including Transit Included in BPP      
Personal Effects  $                                            25,000.00    $                                            25,000.00
Personal Property of Others Included in BPP      
Sewer or Drain Back up      $                                            25,000.00
Signs within 1,000 feet of premises Included      
Spoilage   $                                               5,000.00    $                                            30,000.00
Spoilage – Consequential Loss Included in BPP      
Utility Service- Direct Damage      
             Business Personal Property      $                                            30,000.00
Utility Services-Time Element      
             Business Personal Property      $                                            36,000.00
Valuable Papers and Records:      
             On Premises      $                                            25,000.00
             Off Premises      $                                            25,000.00
Errors & Omissions      Included 
Blanket Additional Insured:      
            Lessor of Leased Equipment Included      
            Lessors or Managers of Premises Included      
            Blanket Waiver of Subrogation Included      



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