Insurance for Florists & Flower Shops

Insurance for Florists & Flower Shops

Insurance for Florists & Flower Shops

Like all industries, florists and flower shops have unique Insurance needs that often differ from other businesses. If you own or manage a florist or flower shop, this blog is for you. We will go over the basics in making sure you have the right Insurance for your business.

Insurance for Florists & Flower Shops- General Liability/BOPs

General Liability is a vital part of any businesses Insurance portfolio. General Liability is often very affordable and provides ample coverage for most small businesses. With most General Liability policies, you can include coverage for your Business Personal Property, and inventory. Including these coverages on a single policy is referred to as a Business Owners Policy, or BOP. Florists and flower shops can benefit greatly from BOPs because you can include coverage for your flowers, along with several other coverages that can protect you in case of a loss to your inventory.

Insurance for Florists & Flower Shops- Commercial Auto

If you have a dedicated vehicle for delivering flowers, you should insure the vehicle under a Commercial Auto policy. In addition to covering the vehicle, with a Commercial Auto policy, you can elect to include coverage for mobile tools and equipment on the vehicle itself. In some cases you can obtain discounts on your Commercial Auto policy by carrying a General Liability policy also.

Insurance for Florists & Flower Shops- Important Endorsements

Florists and Flower Shops can benefit greatly from a few specific endorsements. On your Property Insurance, you can include Business Income coverage, which will provide you with revenue in case of a covered property loss. Florists and Flower shops can also benefit greatly from water back-up, and utility coverage endorsements. In addition, you have employees driving their own vehicles, you should also purchase a Hired & Non-Owned Auto Liability endorsement on your General Liability.

If you would like to learn more about specific coverages for your Flower Shop, give us a call! You can reach us at 925-297-4829.

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All information is general in nature and is intended to provide guidance only. It is up to you to request specific coverage options, the agency and agent do not bear this responsibility. Always read the policy if there is a questions about coverage or a claim. If any information herein should conflict with your actual policy’s specific language, the policy language will be controlling.

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All information is general in nature and is intended to provide guidance only. It is up to you to request specific coverage options, the agency and agent do not bear this responsibility. Always read the policy if there is a questions about coverage or a claim. If any information herein should conflict with your actual policy’s specific language, the policy language will be controlling.

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