General Liability vs. Product Liability for Florist Businesses
- 2 hours ago
- 2 min read
Florists face a variety of risks, from customer injuries in-store to issues with products sold for events or delivery. Understanding how liability coverage works helps ensure your business stays protected from unexpected claims. Reviewing your Florist Business Insurance and comparing a Florist Business Insurance quote can help you determine whether you have the right liability protection in place.
Both general liability and product liability play important roles, but they cover different types of risks.
What General Liability Covers for a Florist Business
General liability insurance protects your flower shop from common third-party claims involving bodily injury or property damage. For example, if a customer slips on a wet floor or trips over a display, this coverage helps pay for legal fees, medical costs, and settlements.
It also covers advertising injury claims, such as copyright disputes related to marketing materials. Because customer foot traffic is constant in most flower shops, general liability is considered foundational coverage.
What Product Liability Covers for Florist Businesses
Product liability insurance focuses specifically on claims related to the products you sell. While flowers may seem low risk, issues can still arise. For example, a customer could claim an allergic reaction to certain plants, or a decorative item included in an arrangement could cause damage or injury.
This coverage helps cover legal defence costs, settlements, and judgements tied to product-related incidents. It is especially important for florists who sell gift baskets, candles, or event decor items.
Key Differences Florist Owners Should Understand
The main difference is the type of risk each policy addresses. General liability focuses on accidents that happen during business operations, while product liability focuses on harm caused by items you sell or distribute.
Many insurers bundle product liability within a general liability policy, but coverage limits may vary. Reviewing your policy details ensures you have adequate protection for both exposures.
Do Florist Businesses Need Both Coverages?
Most flower shops benefit from having both types of liability protection. If you operate a busy storefront, handle event setups, or offer delivery services, your exposure increases. Having both coverages helps create a more comprehensive safety net against lawsuits.
Working with an experienced insurance provider can help you determine the right limits based on your sales volume, product types, and customer interactions.
Choosing the Right Liability Protection Strategy
The right mix of coverage ensures your Florist Business Insurance protects against real-world risks without unnecessary costs. Wexford Insurance helps florist business owners compare policies, understand coverage differences, and customise protection based on their operations.
👉 Request your Florist Business Insurance quote from Wexford Insurance today to safeguard your shop, products, and reputation with confidence.
