Florists manage perishable products, delicate arrangements, and high customer traffic. The core coverages include:
- General Liability – Protects against customer injuries, such as slips in your shop, or accidental damage during deliveries.
- Commercial Property Insurance – Covers your storefront, coolers, display cases, and floral inventory against fire, theft, or vandalism.
- Workers’ Compensation – Required in most states if you have employees; covers injuries such as cuts from tools or strains from lifting heavy arrangements.
- Commercial Auto Insurance – Necessary if you deliver flowers using company vehicles.
- Business Owner’s Policy (BOP) – Combines liability and property protection, often with income coverage if your shop must close due to a covered loss.
