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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
TRAVELERS  HARTFORD 
 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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