Flower Shop Liability Insurance

Flower shops can be bustling places of activity year round. Everyone has a birthday or anniversary just about every day of the year, and holidays just add to the activity each time they come around. As the owner of a flower shop, your primary responsibility is to make sure your customers are happy with your products and services. You also have the priority of making your business as successful as it can be. Protect your company and its assets from risks that can arise due to accidents or other problems. General liability insurance for flower shops helps with that.

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General Liability

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Property Coverage


Errors & Omissions

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Workers Compensation

Bodily Injury Coverage

When customers visit your flower shops to purchase products or order services, there is always the small chance that accidents will happen. If an accident causes physical injuries, that customer will expect your company to pay for their medical treatment and care. Bodily injury is the portion of your general liability insurance for flower shops that takes care of those risks.

Property Damage Coverage

Some accidents do not harm anyone physically but they do damage to other property. If a customer’s vehicle is damaged because the awning outside of your flower shop fell onto it, they expect your company to pay for the repairs their car will need. General liability insurance for flower shops provides you with this protection through property damages coverage.

Products And Completed Operations Coverage

Selling products and services puts you at risk of problems arising directly from the things you sold. If, for example, you sell a flower fertilizer tablet and it is later recalled because it was found to be harmful to pets, your customers may sue your company if their pet is made ill by the product. General liability insurance for flower shops provides you with protection from events of this sort through products and completed operations coverage.

Personal And Advertising Injury

If a lawsuit is filed against your flower shop with claims of personal or advertising injuries, your general liability insurance for flower shops can protect you there as well. Personal injury includes allegations of false statements, defamation of character, libel and slander. Advertising injuries include allegations of copyright violations or unauthorized use of materials.

Damage To Premises Rented To You

If your company rents or leases the retail space that your flower shop operates from, the owner of that building is likely to require proof of rental premises damage protection. General liability insurance for flower shops can include this for you. Rental premises damage protects the building that your company leases or rents. In the event that you cause damages or loss to that property, your insurance will pay to have repairs and replacements made.

Medical Expense Limit

Medical expense limit coverage helps when minor accidents and injuries occur. This can be included in your general liability insurance for flower shops as a way to help you avoid larger lawsuits or legal actions in the future. If small accidents cause minor injuries, medical expense limit coverage can pay for the cost of care without your having to prove or disprove who is at fault.

Limits Of Liability Insurance

  • Each Occurrence – General liability insurance places maximum payout limits on each occurrence per individual and claim.
  • General Aggregate – A general aggregate is the total amount of benefits your policy will pay regardless of how many times claims are made.