Florists
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Safety and Loss Control
Let’s Talk About Protecting Your Florist Business
We've listed some common concerns most florists have, along with some ways we can partner to protect your business. When you're ready to speak to an agent, find one near you using our Professional Locator.
(Please note all coverage may not be available in all states.)
| Your worries | The solutions | |
|---|---|---|
| What you think about | How you can help yourself | How Nationwide can help |
| A power outage or refrigeration failure can ruin my flowers. |
Regular maintenance of equipment Have access to a backup generator | Spoilage
Coverage Utility Services Coverage Equipment Breakdown Coverage |
| If flower arrangements are delivered to the wrong place for an important event like a wedding or my shop misunderstood the order, I need to fix the problem. |
Confirm large orders in writing and have another person verify the
order prior to delivery Repeat telephone orders back to the customer to confirm accuracy | Florist Misdelivery Coverage |
| What if my coolers break down the day before a big holiday such as Valentine’s Day? |
Regular maintenance of refrigeration equipment Develop a back up plan to keep floral stock cool | Spoilage
Coverage Business Income Coverage |
| My phones, fax machines and computers are key to my success. I need to make sure they’re covered. |
Store serial numbers of all equipment in an off-site location Update back up copies of customer and supplier information on a regular basis | Equipment
Breakdown Coverage Property Coverage Power Outage Coverage Business Income Coverage |
| I have a number of employees and want to steer clear of any issues with discrimination, harassment or wrongful termination. |
Policies and procedures regarding discrimination and harassment are
outlined in your employee handbook. All employees should receive a copy this handbook. | Employment-related Practices Liability Coverage |
| A customer could have an allergic reaction to my flowers. |
Toxic plants should contain warning tags Packages of fertilizer and plant food should contain instructions on use | General
Liability Coverage Medical Payments Coverage |
| What if one of my delivery vans is in an accident? Or an employee has an accident in his car while running an errand for the shop? |
Driver Distraction Safety Bulletin Florist Safety Checklist Bulletin Fleet Accident Procedures Safety Bulletin | Business Auto
Coverage Non-owned Auto Coverage |
| What if an expensive arrangement is damaged during delivery or in an accident? | Verify that arrangements are properly packaged and loaded for safe delivery | Business Property Coverage- includes coverage while being transported |
| What if an employee steals money from me? | Crime Prevention Tips Safety Bulletin | Employee Dishonesty Coverage |
| What if the shop is robbed or vandalized? | Crime Prevention Tips Safety Bulletin | Property
Coverage Crime Coverage |
| I rent vans during busy seasons. How can I cover them? |
Make sure you contact your insurance agent each time you rent a
vehicle Autos that are leased long-term should be added to your commercial auto policy | Hired Auto Coverage |
| Wet floors, icy driveways and uneven sidewalks make falls a big concern. | Avoiding Slips, Trips and Falls Safety Bulletin | General
Liability Coverage Medical Payment Coverage |
| What if an employee is injured from a severe cut, allergic reaction or repetitive motions? | Ongoing employee training | Workers Compensation Coverage |
| What if a fire destroys my accounting records? | Keep a back-up copy of records (hard copy or on CD) in an off-site location | Accounts Receivable Coverage |
| I have a lot of dried goods in the store, such as packaging materials and dried flowers, that can build up and be a fire hazard. |
Make sure to organize your packaging supplies every day Take breaks to clean up debris. This will help prevent fires and slip and falls | Property
Coverage Business Income Coverage |
| What if a fire causes the shop to close for awhile? | Small business guide to disaster planning | Business Income Coverage |
| What if a fire at a neighboring business causes my floral shop to close? | Keep a list of all employees, customers and suppliers contact information and records off-site | Business Income
from Dependent Properties Coverage Business Income Coverage |
