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Small business owener florist shop

Business Insurance Coverage For Florist

Help Protect Your Floral Shop With Quality Business Insurance.

Your floral shop is not only your livelihood, but it's also an opportunity to serve people in a beautiful way. Your customers depend on your expertise to provide memorable arrangements for everything from dance recitals and weddings to funeral services and ceremonies. Quality business insurance from Allstate can help give you peace of mind to operate confidently day-in and day-out.

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Property Risks

Shop Property Is Damaged

An intruder or vandal breaks in and steals and/or damages your property, including refrigerators, equipment and computers.

Allstate Coverage

Business Personal Property

This coverage will replace the contents that were stolen or damaged and repair any property damage incurred from the incident. Your insurance covers your loss at what it would cost you to replace the items.

Coverage is available based on your needs.

Shop Loses Power

The utility company's transformer blows and you lose power to your shop. As a florist, your inventory is delicate and this interruption could be detrimental to your business.

Spoilage Coverage

This provides coverage for your perishable items due to a power outage. This is normally an optional coverage, but is included with Florist Shield.

Refrigerator Breaks Down

Your refrigerator breaks down and you lose your entire inventory due to spoilage.

Equipment Breakdown

Helps protect your inventory with equipment breakdown coverage. This covers loss caused by the sudden breakdown of machinery or other equipment.

Delivery Truck Refrigerator Breaks Down

The refrigerator unit on your delivery truck fails in the middle of a long day of deliveries. Your product will spoil quickly without being transferred to a working refrigerator.

Vehicle Refrigeration Breakdown Expense

This provides for necessary vehicle refrigeration breakdown expenses incurred to avoid the imminent spoilage of your "perishable stock" due to sudden and accidental breakdown of refrigeration equipment on motor vehicles you own or lease. This would include obtaining a replacement rental vehicle.

Cash Loss Due To Theft, Robbery Or Destruction

You handle a significant amount of cash in your business and a robbery could severely impact your income.

Money & Securities

This covers against the loss of money or securities due to theft, disappearance or destruction. This is normally an optional coverage, but is included with a BOP for florists.

This provides coverage on premise and off-premise in the event a theft occurs.

Liability Risks

You Are Sued For Personal Injury

Leaves, petals or water are just a few examples of items left on the floor that could cause a customer to slip and fall while in your shop.

Allstate Coverage

General Liability Protection

Allstate business insurance for florists helps protect you from lawsuits due to a customer injury.

Your coverage is based on a per-loss limit and an annual limit.

A Costly Error Occurs

You deliver flowers for a wedding, but they were delivered to the wrong church.

Miscellaneous Professional Liability*

This coverage provides for the legal obligations arising out of Professional errors, negligent acts or omissions during the course of practicing their profession.

Miscellaneous Professional Liability helps protect you if you are sued for acts that you perform in your profession.

Your Customer Data Is Lost Or Stolen

You maintain a significant amount of your customers' confidential personal and financial data. That information is lost of stolen.

Data Compromise Coverage*

This provides case management, legal support, credit monitoring and legally required notifications.

Save time and money, and avoid high recovery costs.

Auto Risks

An Employee Causes An Accident

While performing work for you, your employee gets into an accident and causes injury and damage, you could be liable.While on-the-job, your employee gets into an auto accident and causes injury and damage to another driver and/or their vehicle. You could be liable.

Allstate Coverage

Liability Protection

This coverage insures against injury to others and damage to other vehicles, even if it's due to your employee's negligence.

Your Business Vehicle Is Damaged

Damage to your company's vehicle, whether your driver was at fault or not, can be very costly to fix.

Collision Coverage

This protection pays to repair damage, or even replace your vehicle if it is a total loss.

You can relax in knowing that we'll cover repairs or a replacement up to the value of your vehicle, subject to your deductibles.

Hail Storm Vehicle Damage

Hail can inflict costly damage to your vehicle, including large dents and broken glass.

Comprehensive Solution

This protection pays to repair storm hail damage to your business vehicle.

You'll have peace of mind in knowing you're covered for hail damage repairs up to the value of your vehicle, subject to your deductibles.

You Are Injured By An Uninsured Driver

If you're in a vehicle collision with an uninsured driver and sustain serious injury, your livelihood could be at risk.

Uninsured Motorist Coverage

With this coverage, you may be protected for injuries in an accident that is caused by a driver with no insurance.

You may have the protection you need, based on your policy's Bodily Injury limit. (Restrictions apply in some states.)

Owe Money on Damaged Vehicle

If you still owe money on a loan or lease, you could be liable for the cost of replacing the vehicle.

Lease and Loan Gap Coverage

While most carriers will provide this coverage, many restrict it by vehicle type and charge a premium. You can relax because this coverage comes standard in your Allstate Business Auto policy.

Download Our Agent Discussion Guide.

As business owners themselves, Allstate agents have a unique understanding of the needs and questions you may have when selecting an insurance plan. To help you prepare for that conversation, we've complied a helpful guide to discussing your coverage with an agent.

Man and woman small business agent

Have Questions About Your Business Coverage Options?

An Allstate certified business insurance agent will help you find the services that meet you and your business' needs.

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*Optional coverage

This is a brief description of business insurance products; this is not a contract. Read your policy for full details about the coverages. To learn more, please contact your Allstate Agent. Coverages are subject to state availability and qualifications. Other terms, conditions and exclusions may apply. Business Owners Policy is issued by Allstate Insurance Company: Northbrook, IL; Allstate New Jersey Insurance Company: Bridgewater, NJ.

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