Let’s Talk About Protecting Your Florist Business
As a florist, your job is to bring beauty, joy and comfort to your customers. You don’t need floral shop insurance concerns added to the list. That’s where the Lambert Agency can help. We’ll take all the questions out of your business insurance for a flower shop, so you can focus on your artistry.
Learn More About Flower Shop Insurance
Here are some common concerns most florists should think about and ways that a florist insurance policy can protect you, along with other ways we can partner to protect your business.
When you’re ready to speak to an agent, call us at (205) 879-7283 and ask for your free flower shop insurance quote.
Common Questions About Working With the Lambert Agency
You probably have questions about the best ways to protect your business. Here are a few of the most commonly asked questions related to business insurance for florists. Contact
the Lambert Agency to answer your additional questions.
Q: What specific coverages do florist shops need?
A: Here are some of the coverages you should consider:
- Spoilage Coverage
- Misdelivery Coverage
- Peak Season Coverage for increase in stock amounts at special times
- Business Interruption/Loss of Income Coverage
- Business Auto Coverage
- Equipment Breakdown Coverage for your refrigeration and communications equipment
Q: Does the Lambert Agency offer these coverages?
A: Yes
Q: What can I expect from the Lambert Agency?
A: We understand you’re different from other business owners.
- You have plenty of things to think about without adding insurance to the list. We can help handle your business insurance so you can put more energy into your business.
- You work long hours, leaving little time to shop for insurance. We’ll come to you when it’s convenient for you.
- Our agents and customer service professionals will make your business insurance an easy, stress-free experience.
The Lambert Agency offers coverages and other services just for your florist shop.
- Policies tailored to your unique needs, from a company with 80 years of insurance experience
- Free onsite loss control services
- Plus loss control resources you can use on your own.
- Our business Care Review® program makes sure your insurance is keeping pace with your business.
- Friendly, accessible Lambert Agency agents and claims professionals
- Flexible, convenient ways to pay your bill
Q: Can the Lambert Agency meet all of my insurance and financial needs?
A: Yes, we offer a full range of personal and business insurance products. We also offer financial services, mortgage and banking services. This means we can cover your home, personal autos, business vehicles, workers compensation, life insurance, business property and liability, personal and commercial umbrella, mortgages and investments.
Q: If I have several locations do I need to have several policies?
A: No, the Lambert Agency can cover all of your locations on one policy, saving you money and paperwork.
Q: What can the Lambert Agency do to help me as my business changes?
A: We offer free, periodic insurance reviews, called Nationwide Care ReviewsSM, to make sure your insurance is keeping up with your business. Plus, we always stay in tune with new trends affecting your industry, so we can adapt our coverages to provide the best protection for your business.
Q: What type of coverage is often overlooked in the florist shop industry?
A: Debris Removal – Hauling away steel and concrete after a disaster can add up quickly. Most property insurance policies include a limited amount of debris removal coverage. Higher limits are available through Debris Removal Coverage.
Flood insurance – the Lambert Agency does not offer flood insurance, but your agent can connect you to the National Flood Insurance Program, government-sponsored insurance that offers up to $500,000 in coverage.
Ordinance or Law – This insurance can protect you if your building is ordered to be torn down and rebuilt to code after a loss. Many times, extra expenses are involved that cannot be accounted for when your building is valued. This coverage will not only pay for the damage to your existing building, but also for the undamaged portion that is to be torn down, the demolition costs and the removal of the debris.
Q: What is umbrella insurance?
A: It’s a way to add higher limits to your existing insurance. For example, if your current liability policy covers a $1 million lawsuit and you are successfully sued for $2 million, umbrella insurance can cover the difference. Best of all, we can provide this excess liability coverage over your business vehicles as well as your business liability.
Q: How do I pay my premiums?
A: Various options are available, including monthly and quarterly. Contact an agent to work out the best plan for your business.
Q: What do I do if I have a claim?
A: You can:
- Call us at (205) 879-7283
- Visit our claims center
Q: How is the Lambert Agency rated, and what does the rating mean?
A: Nationwide is rated A+ (superior) by A.M. Best, an independent insurance benchmarking group. Only companies that have a superior ability to meet their ongoing obligations to policyholders earn this high of a rating.