It can be very comforting to know that you bring beauty and joy to people all around your community. When someone needs to be cheered up, or to mark a special occasion, your flowers are often a part of the moment. But that all goes out the window if your refrigeration system breaks down, or your delivery driver causes an accident. For these times, and for safety within your store, you need florist insurance. But this isn't bad news. You can save a lot of money on business insurance for florists if you compare quotes.
Florist Insurance and Your Flowers
You shudder to think what might happen to your business if your greenhouse is seriously damaged. Or maybe worse, what might happen if your refrigeration system breaks down. You need the phones to work, too. You have to take orders, after all. Business insurance for florists can cover all of your assets, from structures and equipment to the actual flowers. Determine what kind of property protection you need for the shop and the inventory. Then look for florist insurance that offers spoilage coverage. Insurers who specialize in your realm can package all of this.
Liability Protection is Important
There will be times that someone spills water on the floor—and then times when a customer slips on that water. A customer could have an adverse reaction to the flowers he or she receives, too. And that could lead to expensive medical treatment. While taking safety precautions is the best place to start, business insurance for florists is the right contingent plan. You need to stay far away from liability in order to protect your business and personal assets. Florist insurance helps you do exactly that.
Vehicle Business Insurance for Florists
You know how it works: someone calls and tells you it's his wife's birthday the next day, and he needs flowers delivered in a hurry. And then your driver rushes there to make it happen. If your driver causes an accident in a company car or in the course of business, that driver's personal car insurance won't handle the damages. You need a special auto policy as part of your florist insurance. It's certainly worth avoiding the headache later.
Florist Insurance for the Workers
In many states, you'll be required to purchase a workers' compensation for even a single employee. This is for your own good, since the florist insurance will pay for any worker injury, rather than you paying for it. If the costs are starting to add up too much, try to package all of these into a general policy of business insurance for florists. Or separate them and shop for quotes for each kind of coverage if you feel more secure that way. Just remember, shopping around saves money, and a free service like NetQuote.com shops in minutes. You'll find complete coverage, and won't have to pay a lot for it.
See how much you could save today on your insurance. Get your free business insurance quotes today!