Flower Shop Insurance – Protect Your Petals and Your Profits
Running a flower shop is more than just arranging beautiful bouquets — it’s a business that depends on inventory, timing, and a whole lot of heart. But what happens when a delivery van crashes, or a water leak damages your coolers? That’s where Dwight Lynn Insurance Agency, Inc. steps in. Our tailored flower shop insurance plans help keep your business blooming even when things go sideways.
Why Florists Need Insurance
You deal with perishable inventory, customer foot traffic, equipment, and delivery vehicles — all areas that bring risk. From a customer slipping on a wet floor to flowers spoiled by a cooler malfunction, having comprehensive coverage can mean the difference between a minor bump and a business-crippling event.
Key Coverages for Flower Shops
General Liability: Covers injuries or property damage on your premises.
Commercial Property: Protects your storefront, coolers, and floral inventory.
Business Interruption: Helps cover lost income if you have to temporarily close due to a covered loss.
Commercial Auto: Covers accidents involving your delivery van or company vehicles.
Inland Marine: Protects flower shipments while in transit.
Workers’ Compensation: Covers employee injuries on the job.
What Does It Cost?
| Coverage Type | Typical Monthly Cost |
|---|---|
| General Liability + Property | $40 – $90 |
| BOP (Bundle of Liability + Property) | $60 – $120 |
| Full Coverage w/Auto & Workers' Comp | $150 – $300+ |
Your premium depends on your location, the value of your inventory and equipment, your delivery radius, and your payroll. At Dwight Lynn Insurance Agency, Inc., we shop multiple carriers to get you the best value for the right protection.
Benefits of Being Properly Insured
- Avoid costly interruptions from equipment breakdowns or property damage
- Build trust with commercial clients who require proof of insurance
- Stay protected during holidays and peak seasons when the pressure is on
- Keep your team safe with workers’ comp coverage
Insurance isn’t just paperwork — it’s peace of mind so you can focus on your blooms and your business.
Why Florists Choose Dwight Lynn Insurance Agency, Inc.
- Fast quotes and same-day coverage options
- We understand seasonal businesses and fluctuating demand
- We work with top-rated carriers to give you options, not just one quote
You're the expert in floral design — we're the expert in business protection. Let us help your flower shop flourish year-round.
Let’s Help Your Business Bloom
It’s time to protect your flower shop with the same care and detail you give every bouquet. Call 831-722-3895 or click below to start your quote. Your business deserves to be covered beautifully.