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(916) 773-4300 Granite Bay, CA

Florist Insurance

Florist & Gift Shop Insurance Coverage

Steve Heald Insurance Agency is Your Florist & Gift Shop Insurance Expert!!



We offer the BEST Florist package of coverages available!

Contact US to discuss your Florist business insurance needs TODAY

(888) 432-5301


In addtion to deciding the approprate amount to insured: the building (for those who own their building), tenant improvements, business personal property, and business liability the following coverages below are part of what come included in our 2 business owner packages available.  However, we are able to increase many of the limits (marked with an *) if needed.
Typical Retail Coverage Summary

Property Coverages

Typical BOP Basic Limits

Typical BOP Enhanced  Limits

Business Income 18 months actual loss sustained 18 months actual loss sustained
Business Income 72-Hour Buyback Usually enhanced only Included
Seasonal Automatic Increase - BPP Additional 25% included Additional 25% included
Accounts Receivable $5,000* $25,000*
Bailee Coverage - Printers N/A $25,000*
Bailee Coverage - Dry Cleaners $100,000* $200,000*
Bailee Coverage - Repair Shop $25,000* $50,000*
Computer Equipment $10,000* $25,000*
Arson Conviction Reward $5,000 $5,000
Fire Department Service Charge $1,000 $1,000
Fire Extinguisher Recharge $2,500 $5,000
Increased Cost of Construction $5,000 $5,000
Mechanical & Equipment Breakdown Usually enhanced only Included
Newly Acquired Buildings $250,000 $250,000
Newly Acquired - BPP $100,000 $100,000
Outdoor Signs $2,500* $7,500*
Personal Property Off Premises $5,000* $5,000*
Pollutant Clean-Up & Removal $10,000* $10,000*
Premises Boundary 100 feet 1,000 feet
Spoilage Coverage (Food Stores) $2,500 $25,000
Trees, Shrubs and Plants $500 / $2,500 $500/ $2,500
Valuable Papers and Records $5,000* $25,000*

Crime Coverages

Basic Package Limits

Enhanced Package Limits

Employee Dishonesty $5,000* $10,000*
Forgery and Alteration $2,500 $2,500
Money and Securities - Inside/Outside $5,000* $10,000*
Money Orders and Counterfeit Paper Currency $1,000 $1,000

Let the Steve Heald Insurance Agency help you understand and protect all of the risks you run and all of the perils your business faces. We will do this with a well thought out and executed business insurance policy designed just for our Florist Insurance policyholders.