Flower Shop Insurance

Customized insurance solutions for your needs

Flower shops can be busy year-round, providing gorgeous flower arrangements for customers for any occasion. As a busy business year-round, there are a variety of risks florists are privy to. In order to protect your flower shop from these various risks, you need insurance. The following four types of insurance are great base policies to have.

Commercial General Liability

Commercial general liability (CGL) is fairly basic coverage for any business with a storefront. If a customer visits your flower shop and slips on a water spill or a flower thorn rips their dress, a court may find you liable to pay the customer damages. These “damages” costs will come straight out of your pocket if you don’t have any type of commercial general liability insurance. CGL policies cover accidental damages due to negligence or accidents that take place at your establishment.

Commercial Auto Insurance

As a florist, part of your job is to deliver flower arrangements and bouquets to customers. To do so, you are likely driving around the city all day. Driving for commercial purposes requires a different kind of insurance than personal car insurance. Personal auto insurance policies do not cover any damages that happen when you are driving for commercial reasons. Without the correct type of car insurance, you are leaving you and your business vulnerable to accident costs, which is where a Commercial Auto insurance policy steps in.

Commercial Auto Insurance

As a florist, part of your job is to deliver flower arrangements and bouquets to customers. To do so, you are likely driving around the city all day. Driving for commercial purposes requires a different kind of insurance than personal car insurance. Personal auto insurance policies do not cover any damages that happen when you are driving for commercial reasons. Without the correct type of car insurance, you are leaving you and your business vulnerable to accident costs, which is where a Commercial Auto insurance policy steps in.

Product Liability Insurance

Product Liability insurance usually protects against lawsuits filed by customers who experience damages resulting directly from a product sold to them. You may think this type of insurance is something you can forgo as a florist, but that isn’t always true. While product defects typically occur during production or labelling, flowers could be accused of giving customers migraines and, therefore, ruining their party. Product liability insurance will pay for these types of damage expenses.

Crime Insurance

Working in retail, your business is vulnerable to crime, both internally and externally. If you have an employee who stole from the company, crime insurance can cover investigation and prosecution costs. However, crime is not always internal, so you may find out after a transaction that the cheque or credit card used was fraudulent. Rather than taking the loss, claim it on your crime policy and prevent financial losses in the future.

From there, you can add on or take away coverage, depending on your specific shop and business model needs. When it comes to insuring your floral shop, don’t settle for typical retail insurance; instead, construct a policy with isure that will keep your business and your flowers flourishing.

Crime Insurance

Working in retail, your business is vulnerable to crime, both internally and externally. If you have an employee who stole from the company, crime insurance can cover investigation and prosecution costs. However, crime is not always internal, so you may find out after a transaction that the cheque or credit card used was fraudulent. Rather than taking the loss, claim it on your crime policy and prevent financial losses in the future.

From there, you can add on or take away coverage, depending on your specific shop and business model needs. When it comes to insuring your floral shop, don’t settle for typical retail insurance; instead, construct a policy with isure that will keep your business and your flowers flourishing.





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