Florists

Flower Shop Insurance Keeps Your Business Growing

Why Do You Need Florist Business Insurance?

What happens if an employee has an accident while using cutting or pruning tools? The refrigeration unit fails causing product spoilage? An unhappy bride files a claim because the flowers she wanted were out of season? Your inventory or equipment is stolen? A customer or employee slips on a wet floor? A flood or fire damages your property?

B2Z Insurance offers coverage that helps reduce the risks that expose your business to costly liability while providing you the means to repair or replace your building and its contents. Florist shop insurance lets you stop worrying about unforeseen events so you can focus on nurturing your business.

You need the right florist insurance to protect your business, your property and your employees. Your customers need you to make them happy, help select the perfect gift, decorate their wedding venues and so much more. What would the world be without the vibrant colors and delightful scent of flowers?

What Kind of Florist Insurance Coverage Do You Need?

Business insurance for florists covers the most common risks that you face. A flower shop’s needs are generally covered by:

  1. Workers’ Compensation Insurance.

    Required in most states, workers’ comp covers flower shops that have employees, even if they are part-time. This type of policy covers medical bills and partial missed wages for employees who are injured on the job. It also helps pay legal costs if lawsuits are filed by injured employees.

  2. Business Owner’s Policy (BOP).

    A BOP is not required, but it is highly recommended for flower shop owners. This insurance combines commercial property with general liability insurance plus additional coverages in a single, cost-effective policy. Your building, inventory and equipment are covered in the event of damage or loss. Business interruptions due to unexpected events may be covered. Advertising claims and customer injuries are typically covered.

  3. Other Types of Policies.

    Some florists choose to obtain additional insurances to cover data breaches, damage to business-owned vehicles, professional liability and more. You may purchase additional insurance policies to cover any or all of these contingencies.

We Know You Have Questions .... You Know We Have the Answers

  1. Q
    How do I get flower shop insurance?
    A

    B2Z Insurance makes it easy! You provide some basic information about your florist business, and we determine if we can cover you. If you qualify for insurance from B2Z, we put together a policy (or several policies) that meet your needs. After choosing your coverage limits and payment schedule, complete your purchase entirely online—at any time, from anywhere.

  2. Q
    How much does florist business insurance cost?
    A

    B2Z policies are affordable, but insurance does not have a fixed cost that we can provide here. Your policy cost is based on your location, the size of your business (revenue, number of employees, payroll cost) and your coverage requirements. For a quick quote, please click on the button below.

How much will a B2Z policy cost your business? Answer a few questions and find out ASAP!