Insurance for Florists

Comprehensive insurance is vital to the success of your flower shop, protecting it from many losses, such as theft, vandalism, slips and falls, property damage, and more. Merchants Insurance Group can help make sure your business is protected with the proper insurance to help you succeed.

General Liability (GL) Insurance

Helps protect your store when your employees, products or services cause damage to other people or their property, for example, if a customer slips or falls. Merchants has liability coverages available to help protect your flower shop such as:

Employment Practices Liability (EPL) (Not available in Vermont)

EPL coverage protects you against claims of discrimination, sexual harassment and wrongful termination.

Employee Benefits Liability Coverage

Provides coverage for damages resulting from negligent acts, errors or omissions relating to administration of your employee benefits program.

Cyber Liability Coverage (Not available in Vermont)

This optional coverage provides comprehensive data security and privacy coverage that addresses both first party losses and third party liability claims, expert claims handling and breach response services in the event of a suspected breach, and a risk management website which provides information, guidelines and tools to help mitigate risk before a breach occurs. 

Hired Auto & Non-Owned Auto Liability Coverage

Provides excess liability coverage for personally-owned or rented autos used by you and your employees for your business (This coverage is automatically included ONLY IF you do not have a separate Commercial Automobile policy.)

Commercial Property Insurance

Building and Business Personal Property Coverage protects you against loss to your physical assets such as your building, its contents, and your equipment. Merchants has property coverages available to help protect your flower shop such as:

Equipment Breakdown

Equipment Breakdown coverage responds to the cost of repairing or replacing mechanical, electrical or pressure systems equipment that suffers a breakdown.

Business Income and Extra Expense

Covers you in the event your business has to close due to a covered loss. You will be reimbursed for your actual loss of income and the extra expenses you incur for up to one year.

Computer Coverage

Protects against loss or damage to computers from a covered loss. Coverage includes Data Restoration that will restore electronic data destroyed or corrupted by a covered loss.

Money, Securities and Credit Card Slips

Protects money and securities used in your business if they are lost, stolen or destroyed.

Outdoor Signs

Coverage applies to your outdoor signs, whether or not they are attached to buildings that are within 1,000 feet of the described premises and are damaged by a covered loss.

Employee Dishonesty

Covers loss due to theft committed by your employees.

Water Backup and Sump Overflow

Provides coverage resulting from water which backs up through sewers or drains or which overflows from a sump pump.

Money Saving Discounts are Available for:

  • Professional Association Membership
  • Franchises
  • Multiple Locations
  • Protective devices for Fire and Burglar Alarms
  • Multiple policies with Merchants Insurance Group
Payment Options