Insurance For Florists
As a professional florist, you have specialized business insurance needs that differ from other small businesses. You face risks such as the safety of customers visiting your shop, weather-related mishaps that might delay or damage important orders, damage or theft of your business vehicles, and other challenges.
Whether it’s your first time buying business insurance, or you’re updating your existing policy, here are some key business insurance coverages to consider.
General liability coverage:
This type of coverage helps protect your florist shop in case of an accident. Perhaps a customer is injured when she trips on the way into your shop to pick up her order. Or, what if a vendor is accidentally nicked by one of your cutting tools while making a delivery? Protect your business in these types of scenarios, and in the event of a negligence lawsuit or accident claim, general liability coverage may help protect your business.
Professional liability coverage:
Suppose a customer claims you ruined his expensive wedding by delivering the wrong floral order. According to the Small Business Administration, professional liability coverage, also known as “errors and omissions” insurance, may help protect your business in similar cases.
Business property coverage:
Your refrigeration cases and containers, floral stock, and business computers are just a few examples of equipment that can be expensive to repair or replace if they’re damaged or stolen. Business property coverage may help you recover the cost of equipment in the case of a covered loss, such as theft or a fire. The covered causes of loss are typically listed in you policy.
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