Florist Insurance

Business Owners Policy (BOP) combines General Liability and Professional Liability insurance under one package. It helps small to mid-sized flower shops, where buying separate insurance policies for each would be too expensive. You can also add additional coverage to protect your business from identity theft, business income, personal property, and other related risks.

Professional Liability (E&O) insurance protects florists against claims that the professional service you provided caused the client to suffer financial harm due to the mistakes you’ve made or when you failed to accomplish the contracted work. The insurance will make sure that if such a liability case arises, you won’t have to pay for any court or legal fees.

Business Interruption insurance is a type of insurance that covers the loss of income and continued expenses that your flower shop suffers after a disaster. The income loss can be covered due to a disaster-related issue that forces your business to close.

Employment Practices and Liability Insurance (EPLI) provides your business protection against claims made by employees against your business like discrimination, wrongful termination, failure to promote, harassment and other employment-related issues.