Insurance by Industry
Insurance Built for Florists and Floral Shops
From your walk-in coolers to your delivery van, Bittick helps you find coverage that fits how your shop actually operates.
Floral shop insurance is a package of business coverages designed to protect a florist's physical space, perishable inventory, equipment, vehicles, and liability exposure. A flower shop carries risks most generic business policies underestimate: temperature-sensitive stock, high-stakes event deadlines, and regular customer foot traffic in a wet-floor environment. Bittick Insurance, based in Eagle, Idaho, shops your coverage across multiple carriers to find a fit for your specific operation, whether you run a solo studio or a multi-van delivery business. We're licensed in CA, CO, ID, NV, OR, TX, VA, and WA.
What this coverage includes
General liability for bodily injury and property damage
General liability coverage pays when a third party holds your business responsible for an injury or property damage. For a floral shop, that means situations like a customer slipping on water tracked in from your cooler room, or a delivery employee bumping a client's antique table while bringing in a centerpiece arrangement. The policy covers defense costs and settlements up to your policy limit, so a one-claim incident doesn't threaten the business you've built.
Professional liability for errors and missed deadlines
Professional liability coverage (sometimes called errors and omissions) steps in when a client claims your work or advice caused them a financial loss. In the floral industry, that could mean delivering the wrong flowers for a wedding ceremony, using blooms a client listed as an allergy concern, or missing a delivery window that couldn't be rescheduled. This coverage pays legal defense costs and damages even when the claim turns out to be unfounded.
Commercial property coverage for your space and equipment
Your shop's physical assets, the building or your lease improvements, walk-in refrigeration units, thorn strippers, floral foam and wire inventory, display fixtures, and point-of-sale systems, represent real capital. Commercial property insurance covers repair or replacement costs when a covered event like a fire, burst pipe, or vandalism damages them. For perishable inventory, check whether your policy includes spoilage coverage specifically, since standard property forms don't always extend to stock that's ruined by a refrigeration failure.
Commercial auto and hired-and-non-owned auto coverage
If your shop owns a delivery van, a commercial auto policy covers liability and physical damage for that vehicle while it's being used for business. If drivers use their personal cars to pick up wholesale orders or make deliveries, hired-and-non-owned auto coverage fills the gap their personal auto policy leaves open for business-use claims. Both coverages matter as soon as a vehicle is part of how your shop operates.
Business interruption coverage when you can't open your doors
Business interruption coverage replaces lost revenue and covers ongoing fixed expenses if a covered loss forces you to close temporarily. For a florist, losing two weeks before Valentine's Day or Mother's Day to a fire or flood isn't just an inconvenience, it's a significant income event. This coverage keeps payroll and rent manageable while you're getting back up to speed.
Pairs well with
Workers' Compensation Insurance
Idaho law requires workers' comp for most employers with one or more employees. Floral work involves repetitive cutting motions, heavy lifting, and wet surfaces, all of which drive claims. This coverage pays medical costs and partial wage replacement when an employee is injured on the job.
Learn more ›Cyber Liability Insurance
If your shop processes card payments or stores customer contact information for recurring event clients, a data breach creates real liability. Cyber liability coverage pays for breach notification, credit monitoring, and legal defense costs that a standard property policy excludes.
Learn more ›Commercial Umbrella Insurance
A general liability policy has a per-occurrence limit. An umbrella policy sits above your primary liability limits and pays after those limits are exhausted, which matters when a single serious injury claim threatens to exceed your base coverage.
Learn more ›Inland Marine Insurance
Inland marine covers property that moves, including floral arrangements in transit to a venue, equipment in your delivery vehicle, and portable tools. Standard commercial property policies cover your fixed location; inland marine extends that protection while your inventory and gear are on the road.
Learn more ›Business Owner's Policy (BOP)
A BOP bundles general liability and commercial property into a single, typically cost-efficient policy designed for small businesses. Many florists start here and add specialized coverages like spoilage or professional liability as endorsements.
Learn more ›What this coverage protects against
Common risks and how this coverage addresses them. Tap any scenario to expand.
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Customer injured by a wet floor near the display coolers.
The risk
A customer browses your cooler-side displays on a Saturday morning. Water has condensed on the tile overnight. She slips, falls, and fractures her wrist. Her medical bills and lost wages become your problem quickly.
How this coverage helps
General liability coverage pays her medical costs and your legal defense if she files a claim. The policy handles the financial exposure so the incident doesn't drain your operating capital.
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Walk-in cooler failure destroys inventory before a major holiday.
The risk
A compressor fails overnight on the Wednesday before Mother's Day. By morning, several hundred dollars in roses, tulips, and pre-made arrangements are unsalvageable. You still have orders to fill and wholesale costs to cover.
How this coverage helps
A commercial property policy with a spoilage endorsement covers the value of the lost perishable inventory. You can reorder from a secondary supplier and meet as many commitments as possible without absorbing the full loss out of pocket.
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Wrong flowers delivered to a wedding ceremony.
The risk
A communication breakdown between your designer and your delivery driver results in the wrong arrangements arriving at the venue an hour before the ceremony. The bride's color scheme is entirely off. She demands compensation for the difference in value and the emotional distress of scrambling on her wedding day.
How this coverage helps
Professional liability coverage responds to claims that your service caused a client a financial loss due to an error. It covers your defense costs and any settlement reached, including situations where the mistake was genuinely unintentional.
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Delivery driver rear-ends a car at an intersection.
The risk
One of your drivers is running an arrangement to a corporate account during the lunch rush. She's rear-ended at a stoplight and the collision is deemed her fault. The other driver's vehicle needs significant repair and she reports neck pain.
How this coverage helps
Commercial auto coverage pays the third party's vehicle repair and bodily injury costs. Without a business auto policy, that claim falls on the shop owner directly, since personal auto policies typically exclude vehicles used regularly for commercial deliveries.
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An employee cuts his hand badly on a floral knife.
The risk
A part-time designer slices his palm while stripping a bulk order of roses. The cut requires stitches and a follow-up visit, and he misses two weeks of work while it heals. He files a workers' compensation claim.
How this coverage helps
Workers' compensation insurance covers his medical treatment and a portion of his lost wages during recovery. It also limits his ability to sue the business for the injury, which matters as much as the medical coverage itself.
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Fire damages your shop before the holiday season.
The risk
An electrical fault in the back workroom starts a fire after closing. By the time firefighters contain it, the coolers, display cases, and much of your hardgoods inventory are damaged. You can't open for several weeks during one of your busiest stretches of the year.
How this coverage helps
Commercial property coverage handles the repair and replacement costs for your building improvements and equipment. Business interruption coverage then replaces lost revenue and keeps your fixed expenses paid while you rebuild, so the closure doesn't compound into a financial crisis.
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Customer payment data exposed in a point-of-sale breach.
The risk
A vendor you use for online orders notifies you that their platform was compromised and cardholder data from your customers may have been accessed. You're required to notify affected clients and face potential regulatory scrutiny.
How this coverage helps
Cyber liability coverage pays the cost of breach notification, credit monitoring services for affected customers, and legal fees associated with regulatory inquiries. Standard property and liability policies don't extend to electronic data breaches, so this coverage fills a gap most small retailers don't realize they have.
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Arrangements damaged in transit to a large corporate event.
The risk
Your driver takes a sharp turn on the way to deliver forty table centerpieces for a corporate gala. Several arrangements tip over and are too damaged to use as-is. The client expects the full order on time and holds you responsible for replacements.
How this coverage helps
Inland marine coverage protects your inventory while it's in transit, not just while it sits in your shop. The policy covers the cost of the damaged arrangements so you can replace what was lost without eating the full replacement cost yourself.