INSURANCE FOR FLORISTS

Are you an individual who operates a business from your home? Do you know that your homeowners policy may not provide you with the coverage that you need for your business? We are ready to help.

WE BUILD OUR COVERAGE TO MEET YOUR NEEDS

Many florists who work from their home start out as people who love to create amazing arrangements. Their individual style shows in their designs. This hobby can quickly grow into a business that provides a source of income for what you do best. Helping you protect your business is what we do best.

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WE TARGET THE BUSINESSES THAT WE KNOW BEST

General liability, professional liability, property and data security. See if you are a fit for our low prices.
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GENERAL LIABILITY

Protection for someone slipping and falling at your home when picking up an order or while selling your products at a craft fair.

BUSINESS PERSONAL PROPERTY

Protection for the property you use in your business including the theft or damage of your equipment.

PROFESSIONAL LIABILITY

Protection for errors that you make in the course of doing business that cause financial loss to others. For example, you incorrectly schedule to make floral arrangements for a wedding on Saturday when the event is on Friday and you cannot make the arrangements in time. Professional liability would provide coverage for any extra expense that the host incurs in finding new flowers at the last minute.
Professional Liability may not be available depending on state of residence and class of business.

BUSINESS INCOME AND EXTRA EXPENSE

Protection for the lost income due to your home being uninhabitable. For example, your home has a fire and you need to rent temporary space on a part-time basis to fulfill orders. The extra expense incurred due to the fire would be covered.

Coverage is based on the terms, conditions, limitations and exclusions of your policy.  Be sure to read your policy to verify your coverage.

BEST PRACTICES RESOURCES

Our best practices are a practical guide to help you avoid unnecessary claims

Avoid slip and falls - Maintain a clean and dry floor around your work area to prevent slip and falls when customers are picking up their orders at your home. Check your arrangements to make sure that they are free from leaks and do not overflow.

Keep track of your schedule - Develop an accurate calendar so that orders are completed on the proper day and you have enough time to create the arrangements. A wedding without flowers can result in a big claim, which can damage your professional reputation.

Be careful with your tools - Keep tools and supplies in an organized spot when working at home and away from home to minimize theft. Be sure to also keep sharp tools away from young hands.

CoverSmart is the best way to buy business insurance.

In a few minutes, you can get a quote and buy the coverage you need. We are a Berkshire Hathaway company
with an A++ A.M. Best financial stability ranking. That means you are getting the right protection at a low price
from a highly rated extremely stable insurance carrier.
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