Business · By industry · Florists & flower shops
For florists and flower shops, from a single storefront to studios that do weddings, events and same-day delivery. A florist's insurance questions follow the business: perishable stock in coolers, vehicles on the road, installations at venues and orders taken online. Below are the areas to examine with an insurance reviewer; one package doesn't automatically cover all of them.
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What to review
Property coverage can address your fixtures, equipment, display cases and stock, and improvements you've made to a leased space. A business owner's policy may package property with general liability for an eligible shop.
Coolers are central to the business. Ask how the policy treats a cooler breakdown, a power outage and the spoilage that follows, because each can involve a different coverage.
Who drives, and in what vehicle, changes the question. Business-owned vans need commercial auto. Employees using their own cars raise hired and non-owned auto questions. A third-party delivery service has its own insurance, but your contract with it matters.
Work at venues, such as installations, arches and large arrangements, often comes with venue contracts that require certificates of insurance, specific limits and additional insured status. Damage to a venue and injuries during setup are general liability questions.
Employees need workers' compensation under the applicable state's rules; in Washington, that's through L&I. Seasonal and part-time staff count. New services, such as classes, plant care or a second location, should be reviewed before they start.
Taking orders and payments online raises cyber questions about customer data and payment fraud. If a fire or other covered damage closes the shop in a peak week, business income coverage is the question to review.
The night before a large wedding, a walk-in cooler's compressor fails and much of the stock wilts. Whether a policy pays for the repair, the spoiled flowers and any lost income depends on the cause and the coverages in place: a mechanical breakdown is usually an equipment breakdown question, and spoilage may need its own coverage. A florist reviewing a policy should ask about each separately. A real claim depends on the facts and the policy.
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