Running a flower shop comes with its own set of risks. Whether you're crafting bouquets for weddings or maintaining fresh inventory, you want to make sure your business is covered if anything unexpected happens. Flower shop business insurance is designed to protect your shop, your employees, and even your delivery vans.
General liability for flower shops typically covers third-party claims of bodily injury or property damage. For example, if a customer slips and falls in your store or you accidentally damage a venue’s property while delivering flowers, your general liability policy can help cover the costs. These expenses could include medical bills or legal fees if the customer sues.
Claim Example:
A customer trips over a water bucket left out in your shop and breaks their wrist. General liability insurance would cover their medical expenses and any legal fees if they decide to take legal action.
A business owner’s policy (BOP) for flower shops combines general liability and property insurance, giving you a nice bundle of protection. This policy typically covers property damage, equipment breakdown, and loss of income if something unexpected shuts your shop down. It’s great for covering your storefront, tools, and even the stock of flowers.
Claim Example:
If a fire damages your flower shop, your BOP would cover the repairs to your shop and compensate you for any lost income while your store is being fixed.
If you use vehicles to deliver flowers, commercial auto insurance is a must. This policy covers damages if your delivery van is involved in an accident, whether it’s damage to another vehicle or injuries to someone involved. It can also cover damage to your own vehicle.
Claim Example:
While delivering an arrangement, your delivery van gets into a fender bender. Commercial auto insurance would cover the repairs to both vehicles, as well as any medical costs for injuries.
Professional liability insurance, also known as errors and omissions insurance, covers claims of negligence, mistakes, or failure to deliver promised services. This is especially important for florists, as clients may have specific expectations for their arrangements, especially for weddings or events.
Claim Example:
A bride sues your shop, claiming the flowers for her wedding weren’t the correct type or color as agreed. Professional liability insurance would cover your legal defense and any settlement costs.
If you have employees, workers' compensation insurance is not only required but necessary. It covers medical expenses and lost wages if an employee is injured on the job, like while arranging flowers or making deliveries.
Claim Example:
One of your florists cuts themselves while preparing a bouquet and requires stitches. Workers comp would cover their medical costs and pay for any time they need off work to recover.
USA Insurance works with over 240 carriers and brings 17+ years of industry experience to help you find the best rates for your flower shop insurance. Request a quote and buy a policy online in under 15 minutes. With USA-based customer service located in Burbank, CA, you’ll get personalized help whenever you need it.
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