Business insurance for florists
Help protect your florist business with coverage options to help meet your needs.
What is business insurance for florists?
State Farm® can help you build an insurance policy with different coverage options that help protect your florist business and allow you to focus on making it grow.
What does business insurance for florists cover?
By bringing together the right coverages, you can safeguard your business and its beautiful, yet fragile, assets. This allows you to concentrate on growing your company.
Property
Helps protect buildings and other structures, personal property, and equipment from covered accidental direct physical loss
Liability
Helps provide financial protection against costly claims and lawsuits under the policy
Accounts receivable
Covers loss of monies due that are uncollectible because of damage to accounts receivable records
Loss of income
Helps with protection if operations are suspended due to a covered loss
Seasonal increase
Provides increased business property coverage limits during peak seasons
Equipment breakdown
Offers coverage for damage to covered property caused by:
- Mechanical equipment breakdown
- An unexpected surge of electricity that doesn’t happen naturally
- Steam boiler explosion
- Loss to steam/hot water boiler
Spoilage
Covers the loss of floral inventory or other perishable goods caused by mechanical breakdown, power outage or refrigerant contamination
Utility interruption - Loss of income coverage
Covers any lost income if your business experiences a disruption in communication, water, natural gas, or electrical service
Employee dishonesty coverage
Covers loss of business personal property and money and securities caused by an employee’s dishonest act
Coverage in action
Your business was hired to provide flowers for a large wedding, and your team created stunning bouquets. Unfortunately, during setup, a team member accidentally knocked the wedding cake off the table. Liability coverage could help protect you from potential costly lawsuits.
How to help protect your small business
Depending on your business, you may need to consider additional coverage. Your local State Farm agent can help you choose the options that work best for your specific business needs.
Commercial liability umbrella policy
Commercial liability umbrella policy (CLUP) gives you an added measure of protection when your covered liability losses exceed your policy limits
Data compromise and identity restoration
Coverages work together to help get the business back on track after a data breach occurs or if you become a victim of identity theft
Backup of sewer and drain
Covers the accidental physical loss of business personal property at a business location caused by the backing up of sewers and drains inside building
Employers’ non-owned and hired car
If your business uses hired, leased or loaned vehicles on a short-term basis, or if employees use their vehicles for your business, you may want to consider employers’ non-owned and hired car coverages. Talk to a local agent about available coverage options in your state.
Frequently asked questions about business insurance for florists
When you provide flowers to others, risks may spring up. State Farm® can help you build an insurance policy that helps protect your florist business when trouble arises:
- Wet floors are accidents waiting to happen. That small puddle can turn into a trip to the ER for the employee or customer unfortunate enough to step in it. Liability coverage protects against covered claims or lawsuits that may occur.
- When a power outage takes down your refrigeration, you’ll soon learn that heat and flowers don’t mix. Select utility interruption, spoiler and/or equipment breakdown coverages.
- Since your business may depend on delivery vans to transport your floral arrangements, commercial auto insurance can cover your vehicles and your drivers if an accident occurs.
In addition to property and liability insurance, floral business owners may want to consider coverages that will help meet their unique needs. Here are a few to consider:
- Seasonal increase is additional coverage during peak times for your business
- Spoilage coverage helps if floral inventory is damaged or destroyed
- Equipment breakdown coverage may help pay for loss or damages
- Utility interruption loss of income coverage helps protect if you can’t operate because of an interruption in communications, water, natural gas or electrical service.
State Farm offers small business insurance with coverages at competitive prices. You select the options that best fit your unique business’ needs.
Get a local agent who gets you
There’s a State Farm agent nearby ready to offer personalized service to fit your specific needs.
Simple Insights®
Looking for ways to help keep your small business running smoothly? You’ve come to the right place. Articles from Simple Insights draw on over 100 years of State Farm knowledge.
Prices are based on rating plans that may vary by state. Coverage options are selected by the customer, and availability and eligibility may vary.
This is only a general description of coverages of the available types of business insurance and is not a statement of contract. Details of coverage, limits, or services may not be available for all business and vary in some states. All coverages are subject to the terms, provisions, exclusions, and conditions in the policy itself and in any endorsements. Contact a State Farm agent for more information and a customized quote.
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