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Florists, Greenhouses, & Nurseries

We understand that florists have different insurance concerns depending on the size of their businesses. A cart vender florist may really want insurance on the cart, some liability coverage and the ability to give a municipality or property owner a certificate of insurance. A full service florist may have a retail outlet, grow their own plants, furnish interior and exterior landscapes with contracts to service those, sell plants to other florists, have trucks and vans on the road for both retail and wholesale delivery, have employees and other insurance products that the small flower shop would not need.

What we are saying is we understand that florists, green houses, landscapers, and flower vendors come in many shapes and sizes. Fortunately for both of us we have insurance for almost any need you have. Our available products for your business include:

Insurance to cover your property:

• Building - This is the insurance to cover the building you own and its permanent fixtures and equipment.
• Building Betterments - If you do not own the space you are in and have added permanent fixtures and equipment you have an insurable interest in these betterments you have added to your landlord's building.
• Business Personal Property Insurance - Coverage for your items that are not attached to be building included but not limited to inventory, office equipment, fixtures, and supplies.
• Cyber Crime - Everyone needs this coverage because we all deal with technology in some form and we can become a victim of cyber crimes such as cyber extortion, computer attack, and other forms of computer crimes.
• Mechanical Breakdown Coverage - Insurance coverage of this type can include phone systems, cash registers, heating and cooling systems.
• Property of Others Coverage - If you are transporting items that someone else owns you need coverage like this.
• Property in Transit Coverage - Gives limited coverage for plants or other property while being delivered.
• Spoilage Coverage - covers the loss of plants due to spoilage from a loss of power, equipment failure, or refrigerant contamination.

To cover your income:

• Overhead Expense Protection - You or a key employee are unable to work due to a covered cause of loss your business still has expenses.
• Loss of Income Insurance - Income replacement for when, due to a covered cause of loss, your business can not function.
• Extra Expense Coverage - To help you with the additional out of the ordinary expenses you have when you are unable to operate your business from your insured location.

To cover your liability:

• Business General Liability - This type of liability protection helps you at your named and other locations.
• Contractual Liability - You sign and agreement. Agreements are contracts. Now you are held responsible.
• Cyber Liability - If you take personal information; checking account, credit or debit card data, connect to the internet or phone lines, or have information saved in an electronic format somewhere, you need this coverage. This includes network security liability.
• Florists Errors and Omissions Insurance - What if you misspell something or send flowers in the name of Steve instead of Dave? This insurance can help you.
• Florist Misdelivery - Coverage for the mistakes that can happen when you fail to deliver or if there is an incorrect delivery.
• Premises Liability - Insurance for your specifically named location in case some gets hurt your business causes property damage.
• Products Liability - For when the product you sell hurts someone or damages property.
• Personal Injury Liability - When someone is claiming you have violated their privacy, slander, libel, or other non physical damages you may wish you had this insurance.
• Higher Limits of Liability - This means higher limits of coverage that is offered by the standard policy.
• Umbrella Liability - No this does not insure umbrellas. It is a form of liability that provides additional coverage limits than your basic policy offers.

For you auto exposure:

• Business Auto Insurance - For the autos you own or lease used in your business operations.
• Hired and Non-Owned Auto Coverage - Do your employees every do anything using their own autos in your business? Do they run errands for you?

To perpetuate your business:

• Owner buy out insurance plans - Do you want to work forever? Who are you going to give your business to?

Because you are an employer:

• Workers Compensation - Mandatory insurance if your are an employer in NYS.
• NYS DBL & PFL - Mandatory insurance required by New York State if your are an employer. This is short term disability coverage and paid family leave.
• Employee Dishonesty Coverage - Are all of your employees completely honest and trust worthy?
• Employment Practices Liability Coverage - protects you against employee allegations of harassment and discrimination. You may also be protected from customer accusations.
• Retirement - Do you or your employees want to work forever?
• Supplemental Benefits

More not listed here:

The important insurance and bonding products may come in different forms and from a variety of policies depending on the specifics of your business. We ask you to please contact us at 607-843-8860 or insurance@drickardinsurance.com for more information and encourage you to put our ability to customize insurance coverage to work for you. The smallest policies we have seen start around $250 per year but are very limited in coverage and certainly do not include all that are listed above. What we can offer you depends much on you, your business, the insurer and other underwriting considerations. For these reasons we strongly urge you to talk with us.