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Affordable insurance designed for florists.

As a BloomNet Florist, you work hard to broaden your artistic talents in floral arrangement, build your community’s love for flowers, and gain insight from other floral retailing experts.

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We’ve provided our valued customers with tailored insurance for over 16 years.

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Get the coverage you and your business need at competitive pricing.

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Insurance coverage designed to meet the specific needs of florists.

We Understand Your Needs

You face many different risks in your day-to-day business operations and when it comes to those risks, Insurance Canopy has the experience to offer the right coverage for your unique needs as a florist.

There’s no need to have insurance policies from multiple providers, Insurance Canopy can help take care of all of your insurance needs including:

  • Liability Insurance
  • Business Property
  • Commercial Auto
  • Workers’ Compensation

Also as a valued BloomNet member, discounted pricing may be available depending upon the specific characteristics of your business. Ask one of our licensed agents today for more details.

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Our licensed agents are available to answer any questions you may have (se habla español)

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Get a Quote Faster
At Insurance Canopy, our team has streamlined the insurance process using technology and systems that help efficiently quote some of the best known carriers in the nation. With this process, we can find you the best pricing with the necessary coverages to protect you as a florist.
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Leverage Our Experience
Insurance Canopy’s agents have combined decades of experience writing policies for those who own small businesses. When it comes to your florist insurance needs, you can rest assured that our underwriters will do their best to find you the best policy.

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Take Your Business to the Next Level

With great insurance, you can keep your mind on creatitivity, beauty, and growing your business. We're here to help you build your dreams.

What Kind of Insurance Does a Florist Need?

BOP is a policy that combines both property and liability coverage into one package. A business owner’s policy typically contains the following coverages:

  • Liability Insurance
    The liability coverages available on a BOP are generally written for common limits of $1 Million per Occurrence & $2 Million as an Aggregate for the policy term. This coverage can protect you against liabilities like customer injury and property damage, advertising injury, and product related claims.
  • Business Property
    • Building: The building limit covers the structure itself. You would want this coverage if you own your building or your lease requires you to cover the building.
    • Business Personal Property (BPP): BPP is the movable property owned by and used for the business at the business location. This could include items like computer equipment, refrigeration systems, furnishings, inventory, and more.
    • Business Interruption or Business Income: This is a part of the property coverage, but unlike the Building or BPP which cover physical assets, this helps replace income that is lost due to a covered loss. For instance, if the business catches fire, this would pay for the loss of income while the building is being repaired or rebuilt. This could also cover loss of business income due to an equipment breakdown.
    • Enhancements: Additional property related coverages that may be included in your policy are enhancements that can be used to pay for other things like debris removal, loss of income, and pollution cleanup as part of a covered loss.

Commercial auto insurance is required by state law if you operate a vehicle for business use. This is similar to personal Auto Insurance. This coverage helps cover the costs of an auto accident if you or an employee is at fault. This coverage can help pay for damages property and medical expenses. In a commercial vehicle policy the following coverage are available:

  • Bodily Injury Liability Coverage Pays for bodily injury or death resulting from an accident for which you are at fault.
  • Property Damage Liability Coverage Provides you with protection if your vehicle accidentally damages another person’s property.
  • Combined Single Limit (CSL) Liability policies typically offer separate limits that apply to bodily injury claims for property damage. A combined single limits policy has the same dollar amount of coverage per covered occurrence whether bodily injury or property damage, one person or several.
  • Medical Payments, No-Fault, or Personal Injury Coverage Usually pays for the medical expenses of the driver and passengers in your vehicle incurred as a result of a covered accident regardless of fault.
  • Uninsured Motorist Coverage Pays for your injuries and, in some circumstances, certain property damage caused by an uninsured or a hit-and-run driver. In some cases, underinsured motorist coverage is also included. This is for cases in which the at-fault driver has insufficient insurance.
  • Comprehensive Physical Damage Coverage Pays for damage to your vehicle from theft, vandalism, flood, fire, and other covered perils.
  • Collision Coverage Pays for damage to your vehicle when it hits or is hit by another object.
  • Did you know you may qualify for a discount? BloomNet Florists leveraging BloomNet Technologies FREE Route4Me App, may be eligible for additional Business Automobile Insurance discounts! Talk to an insurance agent today for details.

Workers' compensation is a form of insurance that protects a business owner from claims by employees who experience a work-related injury or illness that is either sustained on business premises or due to business operations. Typically, workers' compensation covers the employee's medical expenses, rehabilitation costs and at least some portion of their lost wages.

  • Each state has different rules and regulations on what businesses are required to carry workers compensation insurance.
  • Once the business reaches their state’s threshold for REQUIRING WC coverage, that coverage then becomes compulsory.
  • Workers compensation is based upon the payroll of the employees and the owners if they are included.

What’s Unique to Florists?

Aside from the typical business insurance needs you’ve read about above, there are a few that are of particular importance for a florist.

Florists use refrigeration systems, air conditioning systems, and various electrical motors in the course of business to protect their stock of fresh cut flowers, completed arrangements, plants and other supplies needed to conduct business. Electrical breakdown is one of the most prevalent causes of loss for a Floral Shop. Damage caused by a sudden breakdown of one of these systems can lead to a loss of customer business as well as inventory spoilage.

The main causes of an electrical breakdown include poor electrical quality from the grid, load switching in the building, and electrical arcing. Other mechanical breakdowns that could lead to an equipment breakdown loss may include key machine parts like a compressor or defrost timer.

With broken down equipment comes every florist’s worst nightmare: spoilage. Spoilage coverage can insure accidental direct physical loss to perishable goods caused by mechanical breakdown power outage, or refrigerant contamination.

If there is an extended power outage or other failure of the refrigeration equipment and the floral inventory is damaged, your insurance policy could cover this loss.

Errors & Omissions insurance (E&O) is another name for flower shops and florists professional liability coverage. This coverage insures against bodily injury, property damage, and personal and advertising injury arising out of wrongful acts as a florist. It is designed to help protect you financially and legally when professional lawsuits arise.

An example is if you mix up flower orders for your clients, they may sue your company for financial loss and emotional suffering or other perceived damages. Likewise, if you fail to inform a customer that a house plant is dangerous to pets, they may sue you for the animal hospital bills when their pet falls ill after eating it.

Also known as Peak Season insurance, BPP Additional Seasonal Increase protects you when Business Personal Property (including stock) fluctuates during seasonal increase in value. Many policies automatically provide for a seasonal increase. However, an increased percentage can be selected. It can be invoked when the insured has covered their Business Personal Property to at least 100% of the average monthly values at the scheduled premises.

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