Florist Insurance

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Retailer Business Insurance For Florists

Bullfrog makes getting flower shop insurance easy

Whether your flower shop sells bouquets to corsages, Bullfrog Insurance offers you the right shop insurance coverage at the right price with a small business insurance policy that is tailored to your retail business needs. There is no question that the purchasing shop insurance for your retail store at times seems confusing and overwhelming.

Making retail store insurance simple and easy to understand and purchase is what Bullfrog does for our clients. Bullfrog offers you the ability to purchase, pay and receive your small business commercial general liability insurance policy in real-time so you can get on with your business and what really matters.

We understand that as a business owner, you cannot afford setbacks due to unforeseen events or issues. Have peace of mind knowing that we did the retail shop insurance research so you don’t have to.

FAQs for Florist Insurance

When you work with Bullfrog, you do not need to become an expert in insurance. You are already busy enough running your flower shop! It helps to know the basics so that you understand what you are covered for as well as know that Bullfrog’s team of professionals are here to fill in any gaps.

To better understand the foundation of your coverage, we have compiled a list of some of the most frequently asked questions about florist business insurance and answered them here. If something you wish to know is not here, give us a call and ask us personally today.

Do florists need insurance?

Short answer: yes. It might not be mandatory according to the law where you live, but florists offer services that can be hugely important to your clients. Whether the product you are presenting is for a wedding, or for a small gift, your services offer a great deal of happiness to those you help.

As a retail business, you are still exposed to the potential threat of property damage or bodily injury and a consequential lawsuit – which could put you in the hole for thousands of dollars. Moreover, as a florist, you operate directly out of a physical location and so florist business insurance is a must to protect your property and continue operations.

How much does flower shop insurance cost?

Premiums for flower shop insurance are estimated to range between $496 to $779/year. You can be expected to pay anywhere in this range but, as no one business is the same, you will not be paying the same amount as the other florist shop down the street.

Your rates are determined by your individual circumstances and the type of business it is that you run. The following factors affect your insurance rates:

  • Your claims history
  • Your annual revenue
  • What services you provide
  • Your staff team (if any)
  • Physical location
  • Your coverage limits

If you are concerned about budget, worry not – Bullfrog is here to help. Contact us and we would be happy to help you.

What does florist business insurance cover?

At Bullfrog, we offer several core components of coverage as part of our insurance package for florists:

  • CGL (Commercial General Liability)
  • Property coverage

Your CGL insurance is a necessity for protecting your flower shop if a third party or client sues you for property damage or bodily injury. This coverage can protect you from legal expenses, settlement fees, judgement awards, and defense costs – no matter what the outcome of the claim is.

Property insurance protect your florist business’ physical location. This includes if its equipment or furniture was damaged or destroyed, so long as the damages were due to an insured peril, such as theft, vandalism, fire, and more.

For florist business insurance, Bullfrog offers the following levels of insurance:

  • $2 million
  • $3 million
  • $4 million
  • $5 million

How much coverage you need depends on your individual circumstances, such as the likelihood of a lawsuit, your revenue, the cost of a lawsuit, your employees, and your services.

For property coverage, there is two levels:

  • $10,000
  • $20,000

It is important that you assess the value of your property and choose an amount that is equal or greater to its replacement cost.

Where we offer

Locations where we currently offer florist insurance in Canada:
  • Alberta
    • Calgary
    • Edmonton
    • Lethbridge
    • Red Deer
  • British Columbia
    • Burnaby
    • Richmond
    • Surrey
    • Vancouver
    • Victoria
  • Ontario
    • Brampton
    • Hamilton
    • Mississauga
    • Ottawa
    • Toronto

Why our customers love Bullfrog

Our customers love Bullfrog because we make insurance simple. Do it quickly online yourself or talk to one of our knowledgeable insurance brokers. We’re responsive and professional and our insurance coverage is quality and competitively priced.

G. Lauzon

I love dealing with Bullfrog Insurance. Their account executives are very knowledgeable and think outside the box. Service is super fast too. Thanks Bullfrog!

Sev Michaels

White Lilac INC.

Thank you so much for your assistance, you made the process so painless. I have contacted other brokers before and they made it so complicated. Also, you were far more efficient!

An Important Update About Bullfrog Insurance

Please be aware that due to a change in our operations, Bullfrog Insurance has made the difficult decision to start winding down our business. This means we are no longer accepting new clients.

Are you an existing Bullfrog Insurance client? Rest assured that your coverage remains valid, and you’ll continue to be protected up until your policy expiry date. Watch your inbox for more details from our team.