Valentine’s Day, every day gifting, holiday time, weddings and special events… Life would be so boring without the enhanced beauty of flowers and floral arrangements. For the florist though, it’s not just about business but about the insurance coverage that protects business from the related hazards.

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The following is a brief overview of commercial coverage that those in this line of work need to consider.

Insurance for the Floral Shop

• General Liability Insurance
  
  Like many retail businesses, the florist has an influx of customers that come in and out of the premises, as well as employees that work on premises or deliver goods in the company’s vehicle. If someone incurs an injury on the business premises or property, this coverage protects against owner liability.

• Business Equipment Insurance
  
  Computers, refrigerators and other pieces of equipment that keep flowers fresh and more are always at risk of breakdowns, and damage from fire or theft. Aside from repair costs, nobody can afford a business interruption. This insurance will protect covered losses.

• Data Breach Insurance
  
  This insurance covers many related losses associated with customer and employee information hacking.

• Professional Liability Insurance
  
  Lawsuits in regard to ‘errors and omissions’ have the potential of ruining a business. This coverage helps protect the florist from any related mistakes.
  
  
  
• EPLI (Employment Practices Liability Insurance)
  
  Any insurance claims brought against a florist by his employee are covered by this insurance.
  
  
  
• Commercial Auto Insurance
  
  A good part of the florist industry is the delivery service offered. This coverage protects the business vehicle and its driver in the event of accident liability or the uninsured or under insured other driver that causes damage to the company vehicle.
  
  

For more information about insurance coverage for the florist, speak to an experienced, independent insurance agent.

PRIME Insurance is a three-generation family-run independent agency. We’re proud partners with many of the leading companies in the industry – big names such as ACE, ASI, ASSURANT, CHUBB, FOREMOST, Liberty Mutual, MetLife, Plymouth Rock, PROGRESSIVE, Safeco, StillWater, Travelers, USLI, ZURICH and more. With thousands of satisfied customers, we benefit policyholders by reviewing current coverage, as well as by shopping our wide network to locate customized policies at competitively lowest quotes.

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Summary: How does the florist business protect itself from all the inherent liability risks?