Florists’ Endorsement


Plants and Flowers Coverage 

Plants and flowers can be damaged when heating, cooling, and refrigeration stops working. This coverage provides $5,000 for lost product.

Personal Property Off Premises 

Coverage applies to your plants, equipment, and other materials even when you’re not on your own property (for example, when it is displayed off-site). The limit is $10,000.

Seasonal Increases 

The limit is increased by 50% for “floral” holidays (Valentine’s Day, Passover, Easter, Administrative Professionals’ Day, Mother’s Day, Memorial Day, Rosh Hashanah, Grandparents Day, Sweetest Day, Thanksgiving, Christmas).


Professional Liability

This coverage covers amounts the policyholder and other covered individuals have to pay because of negligence, error, or omission, or for not providing professional services. 

Accounts Receivable — Additional Coverage

Your coverage can be increased by an additional $10,000.

Money and Security Off Premises

The limit is increased to $5,000 during “floral” holidays.


Get a quote now!

Talk to your independent insurance agent for a quote on coverage, and for more details on what Hastings Mutual can do for you.