Common questions about Floral Shops
Answering the most frequently asked questions about Floral Shops.
Am I liable for injuries during delivery?Gravity Certs2026-08-17T23:08:49-04:00
Yes. General liability covers injury and damage at delivery locations.
Do event and wedding work change my coverage?Gravity Certs2026-08-17T23:08:49-04:00
Disclose it. On-site installation at venues adds exposure and venues often require certificates.
Is delivery driving a major exposure?Gravity Certs2026-08-17T23:08:48-04:00
Yes. Daily time-pressured delivery is a significant part of the risk profile.
Is a holiday closure worse than average?Gravity Certs2026-08-17T23:08:48-04:00
Considerably. Confirm how business interruption measures income, since holidays concentrate revenue.
What if my cooler fails?Gravity Certs2026-08-17T23:08:47-04:00
Equipment breakdown covers repair and spoiled stock. Perishable inventory is lost within hours.
Reviews from Semper Insurance clients
110-35 72nd Rd, Forest Hills
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I have been using Semper insured Landland for some years now. Stu has been very helpful and responses fast to any questions you need answers too. Sara has contacted me when he was busy. He has gotten the best health insurance each year … More for my needs. It’s hard living on only my widows disability and he has helped get my health care insurance as my needs change and within my budget. -
We are so thrilled to be working with Adam. From the get-go, he took the time to understand our business's needs and worked closely (and tenaciously) to assemble an insurance package that met our unique needs. He's shown himself … More to be diligent, contentious, and a true advocate -- in many ways it feels like Adam's become an extension of my team. In the months we've been working together I've really come to trust Adam, and feel his partnership as an agent reflects a knowledge of our business and its mission and a genuine energy to strengthen and protect our operation.
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Adam is super easy to work with and really knows his stuff. He helped me find the right business insurance without any hassle. A broker you can trust.Thanks
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