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Florist shops sell fresh cut flowers and potted plants, trees and shrubs. Florists prepare floral arrangements on-site and take special arrangement orders. Floral arrangement and plant accessories, such as cards, gifts and novelties, may also be offered. Delivery and floral decoration services at weddings, parties and other special events are usually offered.

General Liability for Florist Shops – Water may spill to the floor when watering plants and flowers at florist shops. Spills must be cleaned up immediately in order to prevent a fall hazard. Work areas should be physically separated from the retail space and should be marked with signage indicating “Employees Only.” Any customer who does enter the “Employees Only” area should be accompanied and supervised by an employee at all times. Walkways must be clear and the flooring must be in good condition. Outside walk areas and parking lots should also provide a safe area for customers to walk. Products liability is increased if the shop sells any poisonous plants. Such plants should be properly labeled.

Workers’ Compensation Insurance for Florist Shops – Cutting tools that are used in florist shops could result in employee injury. Employees could also slip and fall on wet floors. Non-slip mats should be used in work areas and spills should be cleaned up immediately. Drivers need to be careful of injury when loading and unloading vehicles during deliveries. Training should be provided on proper lifting techniques.

Business Auto Insurance for Florist Shops – Florist shops typically offer delivery services to their customers and auto accidents can occur. The risk is even higher during peak seasons, such as Valentine’s Day and Mother’s Day. Contributing factors include the increased number of deliveries made at these times in addition to the limited time frame for making the deliveries. Delivery vehicles should be late model vans that are regularly maintained. In addition, drivers should have acceptable driving records that are regularly checked. Florist shops that require delivery drivers to use their own vehicles should make sure all drivers carry a Personal Auto policy with auto liability limits no less than $300,000 combined single limits.

Property Insurance for Florist Shops – The principal fire loads at florist shops include live plants and flowers, fertilizers, trash, and cleaning supplies. Live plants and flowers can be easily damaged or ruined as a result of temperature changes, improper care, fire, and smoke. Fire and smoke damage could result in a total loss. If refrigeration units are not in proper working order or if power is lost, then flowers will be damaged. Refrigeration units should be up to date, inspected often, and connected to power outlets with double insulated wiring. Temperature should be monitored inside the shop and in the refrigerators with backup systems in place. Outdoor nurseries are subject to loss from weather conditions. Greenhouse structures may need frequent repair of glass or plastic coverings.

Crime Insurance for Florist Shops – Monies and securities may be stolen from florist shops as a result of employee theft or burglary. Outsiders to pay for flowers, therefore increasing crime risks, could use invalid checks or credit cards. Florist shop employees should be trained to use equipment that identifies fraudulent checks and credit cards. Employees also steal flowers, plants, or other merchandise from the shop. In order to help prevent crime, cash registers should be monitored and bank deposits should be made regularly.