What insurance should you choose when you are a florist?

Florists' insurance


What insurance should you choose when you are a florist?

Much more than a trader who sells flowers, the florist is also an artist. To exercise his profession, he must put forward his creativity, his know-how and his experience. Although it is a profession that does not seem to present a lot of risks, it is essential to take out the right insurance.
In short

Florist a craft profession

Compulsory insurance: None

Qualifications / diplomas / experience required: BTM Fleuriste to set up on your own

Average rate observed: NC

Other insurances: Transported goods insurance, legal protection, provident insurance, complementary health, RC Pro ...

Other related professions: Horticulturist, landscaper, nurseryman, gardener, arborist
The profession of florist

Being a florist is not just about navigating all day between scents and colors. It is a profession that goes beyond selling flowers and plants. Indeed, to practice his profession, the florist must have a perfect knowledge of plants, their life cycles and the care they require. He must be able to give advice to his clients, must have good interpersonal skills and must know how to make the right choice when sourcing from horticulturalists. He must be able to provide the necessary care for flowers and plants. That is to say, it must ensure the cleaning, cutting, watering and maintenance on a daily basis.

In addition to having an excellent botanical knowledge, he must be skilful and creative. The composition of bouquets is part of his daily life. He must therefore be able to perform this operation with art, while taking into account current trends. He must be a good manager and know how to keep accounts and stocks. It is an exciting, but demanding job because the days are often long and tiring. Supply at the wholesaler, storage, cleaning, creation of compositions, inventory evaluation ... The florist must be, above all, a lover of nature and a plant enthusiast.
Insurance to take out

Contrary to popular belief, the profession of a florist is not immune to risks. Theft, deterioration of premises, vandalism, litigation ... For these reasons, the florist has every interest in taking out good insurance. This is understood to mean the subscription of professional multi-risk insurance, business interruption insurance, holiday and public holiday guarantee and cover for activities outside the professional premises and goods transported. These covers are able to protect the florist and his employees in the event of a disaster. For optimal protection, it is advisable to take out the following insurance:
Professional multi-risk insurance

This is a combination of warranties that provides comprehensive coverage for business property and liabilities. Professional multi-risk insurance offers many guarantees that can be adapted to the needs of the artisan florist. This is undoubtedly the most complete solution, as it combines insurance such as financial surety, professional legal protection, credit, financial protection, protection of premises and corporate civil liability. Usually, this insurance covers a whole range of risks such as fire, explosion, storm, hail, water damage, glass breakage, theft, vandalism and electrical damage.
Business interruption insurance

This insurance has the advantage of covering financial losses resulting from a business interruption. We are talking about turnover-oriented financial support that helps cover business interruption.
Holiday and public holiday insurance

This guarantee applies to major events such as Valentine's Day, Christmas and Mother's Day, among others. It covers the value of insured property, for example cash on hand. This is insurance that comes in handy during times of peak activity.

Other guarantees complement these insurances, such as coverage for flower sales activities outside the store and coverage for ancillary products and sales of services, as well as insurance for transported goods.
Why take out these insurances?

When you are a florist, taking out one or more insurance policies can be useful or essential. In most cases, it is a good idea to take out professional comprehensive insurance, because it is arguably the most comprehensive insurance and best suited to the profession of florist. To choose the right insurance, it is better to seek advice from your insurer. He will be able to offer you the insurance policies that suit your situation.
Insurance for crafts

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