FAQ_category: (HIDDEN) Industry FAQs

Florists manage perishable products, delicate arrangements, and high customer traffic. The core coverages include: 

• General Liability – Protects against customer injuries, such as slips in your shop, or accidental damage during deliveries. 

• Commercial Property Insurance – Covers your storefront, coolers, display cases, and floral inventory against fire, theft, or vandalism. 

• Workers’ Compensation – Required in most states if you have employees; covers injuries such as cuts from tools or strains from lifting heavy arrangements. 

• Commercial Auto Insurance – Necessary if you deliver flowers using company vehicles. 

• Business Owner’s Policy (BOP) – Combines liability and property protection, often with income coverage if your shop must close due to a covered loss. 

Yes!  

• Landlords usually require proof of liability insurance before signing a lease, and workers’ compensation is legally required in most states if you have employees.  

• Even when not legally mandated, coverage builds trust with landlords, employees, and customers. 

Yes, with the right policies: 

• Commercial Property Insurance (included in a BOP) protects against theft, fire, or vandalism. 

• Some insurers also offer retail theft endorsements for additional protection against burglary or shoplifting. 

On average, Gilders pay between $500-$1200 a year for protection.   

Cost can vary depending on your: 

• Location 

• Size 

• Value of Equipment and Tools 

Gild will work with you to find the right tailored coverage that fits your budget and your needs. 

Running a retail boutique comes with unique risks, from customer injuries to inventory damage. The most common policies include: 

• Business Owner’s Policy (BOP) – Bundles general liability and commercial property coverage. 

• General Liability Insurance – Covers third-party injuries and is often required to lease retail space. 

• Workers’ Compensation – Required in most states if you employ staff, covering workplace injuries.