Florist Shop Insurance to Help Your Business Flourish
We know the challenges and risks you face while running your florist business. That’s why we’ve created flower shop insurance especially for you. We’re here to help protect your business so you can focus on continuing to make it grow.
Why Is Insurance for Florists Important?
You work hard to run a successful flower shop, but being a small business owner means you face unique risks. From employee injuries to damaged equipment, every day accidents can put your flower shop at financial risk. That’s why business insurance is essential to helping you grow.
Common Coverages for Florist Business Insurance:
- General liability
- Commercial property
- Workers’ compensation
- Professional liability
- Commercial auto
Get Started With a Business Owner’s Policy (BOP) for Florists
Many florists start with a Business Owner’s Policy (BOP) for their insurance needs. It combines three types of insurance coverages many small businesses need to help protect them from various risks.
General liability insurancecan help cover claims that your flower shop caused bodily injury or property damage. If a customer slips on your wet floor after you watered your flowers, this insurance can help pay for their medical bills.
Commercial property insurancehelps protect your owned or rented building and the equipment you use to run your flower shop. This includes:
- Flowers
- Hoses
- Floral wire and tape
- Scissors and cutters
- Flower coolers
Business income insurance, also known as business interruption insurance, can help replace your lost income if you can’t open your flower shop because of damage to your property.
Instant Delivery
No matter when you need it, get your proof of insurance instantly online.
Taking Care of Your Flower Shop Team
We know running a flower shop comes with lots of responsibilities. And it also brings risks you might not even realize. From cutting and arranging floral arrangements to making sure flowers have enough water, your employees can get hurt from their work. Help protect them with flower shop insurance.
Falls were the top non-fatal preventable injury in the U.S. in 2018.1
Employee Injuries
“One of my florists slipped on a puddle of water in the middle of the floor while watering our flowers. He broke his wrist and needed two months off to recover.”
Workers’ compensation insurance gives your employees benefits to help them recover from a work-related injury or illness. With our coverage, your employees have access to over 1 million providers and 65,000 pharmacy locations in the country.
Customer Lawsuits
“My team put together a floral design for a customer’s wedding. We agreed on using certain flowers, but one of my employees mixed in some others as well. The bride was furious when she saw the wrong flowers and she sued our shop.”
Floristerrors and omissions insurance can help protect your business if a client sues you for making a mistake in your professional services. Also known as professional liability insurance, this coverage can help pay for your legal costs, settlements and judgments.
Covering Your Flower Shop's Property
A fire, storm or any other property damage can prevent you from opening and running your flower shop. That’s why florist insurance is important to have because it can help you make the necessary repairs to get back up and running after a covered property loss.
Nearly 40% of small businesses never reopen following a disaster.2
Property Damage
“We had a huge summer thunderstorm come through. A tree ending up getting knocked down from the wind and landed on top of our flower shop, ripping a hole in our roof.”
Commercial property insurance can help cover your repair costs if your flower shop gets damaged. If your equipment gets damaged, this insurance can also help cover the repair or replacement costs.
Perishable Goods in Transit
“We were transporting flowers from Florida and the refrigeration on our delivery truck broke. By the time our truck got back to the store, the flowers died.”
Get coverage to help protect perishable goods in transit. If they spoil, this insurance can help pay the costs to replace them.
Covering Your Flower Shop's Operations
We understand that running a flower shop is hard work. With the right flower shop insurance coverages, you can help protect your business from different risks and help it stay successful.
40% of small business owners are likely to experience a property or liability claim in the next decade.3
Lost Income
“A fire broke out overnight in the store next to our flower shop and caused heavy smoke damage. It was the night before Valentine’s Day and we couldn’t open for our busiest week of the year.”
Business income insurance can help recover your lost income if your shop has to close because of property damage.
Florist Event Insurance
“We started hosting floral arrangement classes at our shop, inviting customers to buy wine at the events. At the end of the night, a customer accidentally drove over the fence at a next door business. The business owner sued us for damages because we served our customer wine.”
Whether you’re offering classes with drinks or selling gift baskets with alcohol, you can addliquor liability coverage to your flower shop insurance. This helps protect your business if someone gets hurt or causes property damage after drinking at your shop.
Florist Shop Insurance Made Just for You
When it comes to running a successful floral shop, you need an insurance company you can trust and rely on. With over 200 years of experience, we’ve helped over 1 million small business owners like you. We understand every business is unique and we will work with you to get the right type of coverage to customize a florist shop insurance policy made for you.
Other similar professions and businesses we also insurance include:
Floral Shop Insurance That Has Your Back
Get the protection you need to help keep your floral shop running successfully.
More Answers to Frequently Asked Business Insurance Questions
1 National Safety Council, “Top 10 Preventable Injuries”
2 Federal Emergency Management Agency, “Make Your Business Resilient”
3 Based on an analysis of five years of claims data (2010-2014) from more than 1 million Hartford Business Owner’s policies.
Additional disclosures below.
The Hartford shall not be liable for any damages in connection with the use of any information provided on this page. Please consult with your insurance agent/broker or insurance company to determine specific coverage needs as this information is intended to be educational in nature.
The information contained on this page should not be construed as specific legal, HR, financial, or insurance advice and is not a guarantee of coverage. In the event of a loss or claim, coverage determinations will be subject to the policy language, and any potential claim payment will be determined following a claim investigation.
Certain coverages vary by state and may not be available to all businesses. All Hartford coverages and services described on this page may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Financial Services Group, Inc. listed in the Legal Notice.
The Hartford Financial Services Group, Inc., (NYSE: HIG) operates through its subsidiaries under the brand name, The Hartford, and is headquartered in Hartford, CT. For additional details, please read The Hartford’s Legal Notice.
* Customer reviews are collected and tabulated by The Hartford and not representative of all customers.
Get a Business Insurance Quote
As an insurance expert with in-depth knowledge of the industry, I can provide valuable insights into the concepts and information presented in the article about The Hartford Insurance, specifically focusing on Florist Shop Insurance.
-
Business Owner’s Policy (BOP): The article mentions that many florists start with a Business Owner’s Policy (BOP) for their insurance needs. A BOP combines three types of insurance coverages essential for small businesses like florist shops:
-
General Liability Insurance: Covers claims for bodily injury or property damage caused by the flower shop, such as a customer slipping on a wet floor.
-
Commercial Property Insurance: Protects owned or rented buildings and equipment, including perishable goods like flowers, from covered events like storms or fires.
-
Business Income Insurance (Business Interruption Insurance): Replaces lost income if the flower shop cannot open due to property damage.
-
-
Workers’ Compensation Insurance: The article emphasizes the importance of protecting employees from work-related injuries. Workers’ compensation insurance provides benefits to employees for injuries or illnesses sustained while on the job.
-
Florist Errors and Omissions Insurance (Professional Liability Insurance): This coverage is highlighted in the context of protecting the business from lawsuits if a client sues for mistakes in professional services, such as floral design errors.
-
Commercial Auto Insurance: Florist shops often use vehicles for transporting flowers. Commercial auto insurance is crucial to cover potential damages to vehicles and liability arising from accidents during transit.
-
Perishable Goods in Transit Coverage: The article discusses the need for coverage to protect perishable goods during transit, ensuring that the costs to replace them are covered in case of spoilage.
-
Liquor Liability Coverage: For flower shops hosting events with alcohol, adding liquor liability coverage is recommended. This coverage protects the business in case someone gets hurt or causes property damage after consuming alcohol at the shop.
-
Business Income Insurance for Property Damage: In the event of property damage, such as from a fire, business income insurance can help recover lost income during the period when the flower shop is unable to operate.
-
Industry-specific Insights: The article provides statistics and insights related to the florist industry, such as the top non-fatal preventable injury (falls) and the percentage of small businesses that never reopen following a disaster.
-
Customer Testimonials: The article includes scenarios and quotes from business owners, illustrating real-life situations where specific insurance coverages would be beneficial.
In conclusion, the article not only introduces various insurance concepts but also demonstrates a comprehensive understanding of the unique risks faced by florist businesses and the tailored insurance solutions offered by The Hartford.
