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Florist Insurance Quote

A good commercial florist policy should cover employees, buildings and equipment, loss of income, and general liability. Due to the nature of the work, a shut down or business interruption could be disastrous. Make sure a loss of income insurance is included.
  • Premises and Operations
  • Commercial Auto
  • Products/Completed Operations
  • Personal Injury
  • Advertising Injury
  • Fire Legal Liability
  • Medical Expense
Liability Protection
Liability coverage is valuable protection in the event of a lawsuit for a negligent act in the course of your business.

Property Protection
Includes coverage for your buildings, permanently installed equipment, outdoor fixtures and business personal property.

Commercial Auto Insurance
Most florists deliver. If your business delivers your vehicle needs to be insured as a commercial vehicle. Your personal auto insurance excludes delivery and you may not be insured in the event of an accident.


"We insure California Florist and Flower Shops at the best prices"

Product Liability
Are their products that you create and sell with flowers, bouquets and live plants? If so you could be held liable for product defects that cause injury, illness or monetary loss.

Spoilage
You work with living plants and they are subject to different risks than other businesses. You are dependent on fresh products for your business but what happens if a storm prevents your ability to cool or in some cases to heat your plants? Spoilage pays the owner for lost revenue.

Seasonal Coverage
Every florist has peaks and valleys with inventory. Wedding season and Valentines are just two examples to consider when your inventory may exceed your insurance coverage. What happens if you have a loss when your inventory is higher than normal? With seasonal coverage you have flexibility of additional insurance coverage during your peak business periods.

The flower shop business is a complex business. Make sure you discuss the distinct aspects of your business with your licensed insurance professional so they can help you determine the appropriate coverage.

Florist Insurance Quote

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Commercial Business World
7800 University Blvd
La Mesa, CA 91942

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