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These establishments engage in the retail sales of silk or plastic floral arrangements, plus bulk artificial flowers and supplies used to make fake flower arrangements. They may offer custom floral arrangement services for customers and other gifts and novelties such as chocolates and balloons. Artificial trees and other plants may also be available at these shops.

General Liability Insurance for Artificial Flowers Stores – Artificial flowers stores should maintain a clean store in order to prevent hazards to customers. Artificial flowers may be arranged or displayed so that loose flowers could easily fall to the floor as customers shop, therefore resulting in a trip and fall hazard. Merchandise should be displayed so that it is easily accessible to customers and flower arrangements should be properly anchored in order to prevent toppling hazards. Parking lots, sidewalks, and entryways should all be in good condition and free of debris.

Workers’ Compensation Insurance for Artificial Flowers Stores – Employees of artificial flowers stores could be injured if stockrooms are not organized and clutter free. Employees who are responsible for making flower arrangements are at risk of being cut from the use of tools like scissors and wire cutters. Employees should use appropriate ladder safety when accessing merchandise on high shelves. Back injuries may occur when lifting heavy items. Hand trucks and similar conveyance devices should be used when necessary.

Business Auto Insurance for Artificial Flowers Stores – Employees of artificial flowers stores who are responsible for making the daily bank deposits and running errands should be required to carry a Personal Auto policy with sufficient liability limits in order to reduce business auto risks. By verifying MVRs every year for all drivers, risks can be further reduced.

Property Insurance for Artificial Flowers Stores – Fire exposures from adjoining premises can be reduced by the use of either an appropriate distance barrier or approved firewalls if the buildings are attached. The fire load at artificial flowers stores will consist of merchandise, packing materials, boxes, and cleaning supplies. Trash and excess packing materials should be discarded daily to reduce the fire risks. Exit paths must be free of obstructions and exit doors must be clearly marked.

Crime Insurance for Artificial Flowers Stores – A division of duties allows for a check and balance where one employee cannot steal without being in collusion with another employee. Check using an electronic verification service requiring appropriate identification can minimize fraud and credit card fraud in artificial flower stores. A central station alarm system should be in place to prevent burglary risks.