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Coverage tailored for retail floral businesses

Business Insurance for Floral Operations

Our Businessowner's Advantage policy was created to provide affordable quality protection for retail floral businesses. It's not a standard "one size fits all" policy. It's a customized policy, with one comprehensive premium, serviced by one of our qualified agents - a convenience busy floral operations can appreciate.

Property Protection

American National Property And Casualty Company's (ANPAC®) Businessowner's Advantage policy includes coverage for your buildings, permanently installed equipment, outdoor fixtures and business personal property.

Option or Included Coverages

Accounts Receivable, Money and Securities, Forgery or Alterations, Debris Removal, Outdoor Property, including signs, Newly Acquired Property, Property in Transit or Temporarily Off Premises, Valuable Papers and Records (cost of research), including electronic or magnetic media, Property of Others while in your care, custody or control

Liability Protection

Liability coverage is valuable protection in the event of a lawsuit for a negligent act in the course of your business. This important protection is an automatic feature of Businessowner's Advantage and is available in various limits to accommodate your needs.

The following items are included:

  • Premises and Operations
  • Hired & Non-Owned Auto*
  • Products/Completed Operations
  • Personal Injury
  • Advertising Injury
  • Fire Legal Liability
  • Medical Expense
  • Primary and Noncontributory Coverage*
  • Waiver of Subrogation*

      *Available in most states.

Loss of Income

Your business income is paid, up to twelve months, when your business is interrupted by an insured peril. Businessowner's Advantage also pays for certain extra expenses needed to resume normal business operations.

Special Features

In addition to the coverages outlined here, you will also benefit from special features found in Businessowner's Advantage:

  • Replacement Cost Coverage
    Pays the cost of replacing your buildings or businesses personal property with materials of like kind and quality at current prices. Coverage on an actual cash value basis is optional.
  • Equipment Breakdown Coverage
    Covers physical and financial damage from an insured equipment failure. Coverage for many types of equipment, including: electrical distribution systems, HVAC, telephone and electronic systems and equipment.
  • Automatic Increase in Insurance
    Prevents inflation from devaluing your insurance protection by automatically increasing the amount of coverage on your buildings each year. A choice of percentages is available on an optional basis.
  • Peak Season Coverage
    Increases your limit for business personal property automatically - a valuable feature if your inventory fluctuates seasonally.
  • Deductible Options
    Allows you to choose higher deductibles for additional savings.
  • Premium Discounts
    Lowers your payments with credit for qualified protective systems.
  • Payment Plans
    Spreads out your premium payments to free up capital for current business needs.
  • Optional coverages:
    Depending on your exact business needs, you may want to include some of the following coverages in your policy:
  •   - Extended Refrigeration Coverage for Florists
  •   - Utility Services - Direct Damage
  •   - Employee Dishonesty
  •   - Employee Benefits Liability
  •   - Glass Coverage
  •   - Outdoor Signs in Higher Limits
  •   - Accounts Receivable in Higher Limits
  •   - Valuable Papers & Records in Higher Limits
  •   - Earthquake
  •   - Spoilage Coverage