From fresh flowers and plants to custom arrangements and events, florists face unique risks every day. Eastern Insuring Agency helps New York florists stay protected with coverage designed for the way you create and care for your business.
Flowers, plants, and décor inventory can be damaged by fire, water, or equipment failure.
Flowers, plants, and décor inventory can be damaged by fire, water, or equipment failure.
Product liability or delivery accidents can lead to injury and property claims.
A covered loss can stop your business and impact your income.
Covers your shop, contents, fixtures, coolers, and inventory.
Protects against bodily injury, property damage, and personal injury claims.
Covers tools, vases, display items, and other essential equipment.
Helps replace lost income if you can't operate due to a covered loss.
Covers business vehicles used for deliveries, events, or errands.
Covers medical costs and lost wages for employees on the job.
Covers the repair or replacement of vital equipment and systems.
Helps protect against data breaches, cyber threats, and online fraud.
Adds an extra layer of liability protection above your primary policies.
Protects against employee disputes, harassment claims, and more.
Your past losses and claim trends
Value, perishability, and storage conditions
Alarms, cameras, locks, and after-hours protection
Neighborhood risks, proximity to fire stations, and flood zones
Years in business and industry experience as a florist
Routes, vehicle use, and driver safety practices
Business financials and cash flow strength
Handling of live plants, chemicals, and floral care products
Existing coverage, policy limits, and deductibles
Leaking pipes or equipment can damage inventory and property.
Wet floors or debris can lead to customer or employee injuries.
Items can be broken during handling, delivery, or installation.
Fires can destroy your shop, inventory, and equipment.
Delivery accidents can cause injury or property damage.
Cooler or refrigeration failures can damage perishable inventory.
Most florists need general liability, property, and business interruption insurance. Additional cover may be needed for deliveries, equipment, and events.
Yes, product liability insurance helps protect your business if a product causes injury or property damage. It's especially valuable if you sell arrangements, gifts, or plants.
Coverage for deliveries and event services can often be included. Check your policy to ensure your vehicles and delivery activities are protected.
Equipment breakdown coverage may help pay for repairs or replacements after a covered mechanical failure. It can also help reduce business downtime.
Yes, certificates of insurance can often be issued the same day. This depends on receiving your completed information and policy approval.
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