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Are you a florist or someone who runs a flower shop? If this is the case, don’t leave yourself vulnerable to exposure by not getting business insurance for florists and flower shops.
This article offers light on florist insurance and flower shop insurance; how it works, how much it costs, and the best companies that provide it.
Florist Liability Insurance
Liability insurance is a primary inclusion in the tailored coverage for florists. Florist liability insurance is either a general liability or professional liability insurance.But how do these two insurance for florists work?
Florist General Liability Insurance
You can hurt someone while working. Accidents can also happen under your watch and the aggrieved person will put the blame on you. These exposures are what general liability insurance covers.
Specifically, this type of florist business insurance mainly covers personal injury claims and property damage claims against you. In addition it will cover defense costs such as attorney fees, settlements, and administrative costs.
Many don’t realize this but florists sell flowers that could harm people if not handled correctly. The table below outlines some flowers that might injure customers.
| Possible Injuries to Customers | |
| Baby’s Breath | Skin irritation, vomiting, and diarrhea |
| Daffodils | Skin burns, diarrhea, and vomiting |
| Foxgloves | Seizures, dilated pupils, and sometimes death |
| Hydrangeas | Fever and diarrhea |
| Larkspurs | Paralysis, abdominal pain, and death |
| Marigolds | Eye and ear irritation |
| Tulips | Vomiting, diarrhea, and nausea |
Florist Public Liability Insurance
Public liability insurance is an alternative to general liability insurance. Just like the policy above, it covers personal injury claims and property damage claims filed against you.
Recognize that florist public liability insurance isn’t as comprehensive as general liability insurance because you can’t add optional policies to it.
Florist Professional Liability Insurance
Professional liability insurance will help if you’re accused of causing economic or financial harm to a client.
In practice, this will cover settlements, attorney fees, administrative costs, and other legal expenses if you committed or allegedly committed negligence. Therefore,exposures included in the terms of this insurance are:
- Violation of good faith
- Violation of fair dealing
- Breach of confidentiality
- Misrepresentation
Florist Van Insurance
Florist van insurance is what’s commonly known as commercial auto insurance. For florists, this only covers liability for auto accidents and damage to one’s own vehicle. Protection against uninsured/underinsured motorists is also offered.
Personal auto insurance can also function as a florist van insurance. However, this is only helpful if you only use a vehicle casually for business purposes.
Wedding Florist Insurance
Wedding florist insurance is a specialty coverage a few insurance companies offer. This perfectly suits the needs of florists who contract work with wedding venues.
Inclusions are general liability insurance with products and completed operations coverage, commercial auto insurance, and professional liability insurance.
Business insurance only available to flower shops is also offered such as goods in transit insurance, workers compensation insurance, and tools and equipment insurance.
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Flower Shop Insurance
If you’re someone who is running a flower shop and employing florists, carriers can’t cover you using a florist insurance policy. But still, don’t worry because there’s flower shop insurance that will protect you against exposures.
Flower store insurance is a specialty coverage consisting of numerous business insurance policies available by small and big ventures. While the flower shop insurance of different carriers differ, expect to always find these inclusions:
Commercial Property Insurance for Flower Shops
Commercial property coverage in flower store insurance takes care of business tangible assets. It provides funds for repair and replacement if parts of the building are destroyed because of a natural disaster or an unintentional accident.
Commercial property insurance only covers the building and not the equipment and stocks inside. This is why you should add stocks and contents coverage and business tools and equipment coverage to the terms of commercial property insurance.
Stocks and contents coverage will refund the value of all the flowers in your inventory that got lost or damaged due to fire, theft, vandalism, and other covered perils. This optional policy can do more actually.
Workers Comp Insurance for Florists
If contacting the skin on a regular basis, saps and oils in flowers can cause rashes, burns, and boils. Workers comp is an insurance for florists that will take care of the cost for any work-related injury or disease. By choosing to get workers’ compensation insurance, your flower shop can easily cover the following for the affected employee:
- Medical expenses
- Hospitalization
- Medication
- Rehabilitation
- Lost wagesThe policy compensates lost income by providing a weekly allowance equal to two-thirds or 67% of the average weekly wage
- Death benefits-Workers compensation insurance covers funeral expenses if an employee dies due to a work-related injury disease.
Commercial Auto Insurance for Flower Shops
As with florists, insurance companies sell commercial auto insurance for flower shops. Your business’s commercial auto insurance will also cover liability for car accidents, vehicle repair costs, and resulting expenses from getting involved in an accident caused by an uninsured or underinsured driver.
But note that other protections are also available, namely:
- Personal injury protection/medical payments coverage-It take care of the driver if your flower shop’s vehicle causes an accident or gets involved in an accident. Which of the two to get depends on which state your business is located
- Non-owned auto/hired auto coverage-It will cover your liability over accidents caused by a borrowed vehicle or rented vehicle used for business operations
- Rental reimbursement coverage-It will refund what you spent to hire or rent another vehicle because the one your flower shop owns is being repaired
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Flower Shop Business Owner’s Policy
Stand-alone insurance policies provide protection but not that much. Getting multiple policies will solve this issue though but might be a costly option.
Business owner’s policy bundles different kinds of coverage to provide comprehensive and efficient protection. The coverages in business owners’ policies differ from carrier to carrier.
Flower Shop Insurance Cost
Flower shop insurance doesn’t have a universal cost because every client is different, meaning that they bring a different level of risk to the carrier’s table. But generally, flower shop insurance cost $30 per month or $360 per year for a $1 million general liability insurance.
- The history of the policyholder.
- Claim history
- the size of your business
Best Florist Insurance Companies
CoverWallet
CoverWallet’s florist insurance is available in four options – basic, standard, pro, and custom. We suggest you go for the basic plan if you’re a full-time freelance florist as it only offers general liability insurance – the only policy you’ll find useful.
Consider getting the pro plan if you’re an owner of a flower shop. It’s a business owner’s policy that provides you with general liability insurance, commercial property insurance, and workers compensation insurance.
Average cost: $17.91 per month
Our rating: 5/5
Pros
- Has terrorism coverage
- Add clients as additional insureds for free
- Cancel a policy anytime
Cons
- CoverWallet’s florist insurance is made out of the policies of its partners
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State Farm
State Farm offers specific insurance policies for florists but they give the customer a good degree of leeway when it comes to customizing their coverage.
For example, you can choose between many different kinds of coverage, including liability coverage, property coverage, seasonal increase coverage useful for florists, and a lot more.
Average cost: $28 per month
Our rating: 5/5
Pros
- Has policies exclusively made for florists
- Affordable liability policies
- Customizable policies
Cons
- Additional options for insurance policies have hefty costs
The Hartford
The Hartford offers specific insurance policies for flower shops that most commonly include the following types of coverage: general liability, commercial auto, commercial property, and workers’ comp.
They also offer BOPs that combine general liability insurance and commercial property coverage.
Average cost: $30 per month
Our rating: 5/5
Pros
- Exceptional commercial property policy
- Transparent quotation
- Offers resources to help you make a decision
Cons
- Quickness of claims processing have to be taken with a grain of salt
Thimble
Thimble’s florist insurance allows you to enjoy a short-term general liability coverage. You can choose to get covered for only hours, days, weeks, or months.
If bought as a long-term plan, this company’s florist insurance also offers commercial property insurance, professional liability insurance, and equipment breakdown insurance.
Average cost: $23.13 per month
Our rating: 4.5/5
Pros
- ACORD 25 certificate of insurance
- You can choose not to have a deductible
- Flexible coverage options
Cons
- Doesn’t underwrite commercial auto insurance for florists
NEXT
NEXT florist insurance allows you to avail general liability, commercial property, commercial auto, and workers compensation insurance. This company allows you to do whatever you want with your policies quickly online.
Average cost: $25.92 per month
Our rating: 4.5/5
Pros
- Bundle two or more insurance and get a 10% discount
- Send your proof of insurance as an email, photo, or text message
- File a claim online
Cons
- NEXT doesn’t provide coverage to high-risk florists
