Running a flower shop might seem pretty straightforward, but like any business, it comes with its own set of risks. That’s where Flower Shop General Liability Insurance steps in. This type of insurance is designed to protect your business from claims related to accidents or injuries that can happen in the shop, as well as damages to someone else’s property. Imagine a customer tripping over a display, or a delivery causing damage to someone’s property – these are the kinds of situations that could result in costly lawsuits. General liability insurance ensures that your business is financially protected from these unexpected events, so you can focus on what you do best: delivering beautiful arrangements!
While general liability insurance isn’t required by federal law, many flower shops will find that their state or local jurisdiction mandates it, especially if you’re leasing commercial space. Landlords often require proof of insurance to protect against any potential claims that might arise on their property. Even if it’s not legally required, it’s a smart business move to have it. Many clients may also want proof of insurance before entering into contracts with your flower shop, so having a policy in place helps keep business partnerships smooth.
General liability insurance for a flower shop typically covers three main areas:
Property Damage: If a delivery driver accidentally damages a client’s property while dropping off flowers, this coverage helps pay for the repair or replacement.
Bodily Injury: If a customer slips and falls in your store, liability insurance covers the medical expenses and possible legal costs.
Legal Expenses: If your business is sued for any reason related to property damage or injury, this part of the policy will help cover the legal fees associated with the lawsuit.
Here are some things that general liability insurance won’t cover for your flower shop:
Here are a couple of real-life situations where flower shop liability insurance could come in handy:
Bodily Injury: A customer trips over a bucket of water while you’re prepping a display and ends up in the hospital. Your liability insurance covers their medical bills and any related legal claims.
Property Damage: While delivering an arrangement, one of your employees knocks over and breaks an expensive vase in a customer’s home. The cost to replace it would fall under the property damage coverage.
In addition to general liability, flower shops typically carry a few other important policies:
If you're looking for Flower Shop General Liability Insurance, consider USA Insurance, located in Burbank, CA. With almost two decades of experience in commercial insurance, USA Insurance is a leader in providing customized coverage for businesses like yours. All agents are based in the USA and licensed in all 50 states, ensuring that you get top-notch, personalized service. We understand the unique risks flower shops face and can help you find a policy that fits your needs perfectly. Don’t wait until it’s too late—reach out to USA Insurance today and protect your business!
(888) 900 0205
