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What is Workers' Compensation for Florists?
Workers’ Compensation, also known as Workman’s Comp, is business insurance that provides for the medical care for workers who suffer work related injuries or illnesses and also provides for lost wages due that arise when the employee is injured and cannot work.
Our Appetites: We prefer low and moderate hazard risks.
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Workers compensation coverage helps protect your business in many ways including protection against:
Why do Flower Shop Business Owners need insurance?
In general, there is no business that has no risk. Small businesses in the floral industry are not exempted. As a florist, you have the eye for the different events that you provide flowers for, from happy celebrations like weddings, wedding proposals, wedding anniversaries, corporate gatherings, new store openings, house warmings, special birthday and month celebrations, graduations, to melancholic events like visiting a loved one in the hospital, in the cemetery, or funerals.
Despite the colorful and vibrant atmosphere in the flower shop, florists can still suffer from various health hazards. Some of the flower shop workers get only minor cuts from knives or sharp thorns but some get serious illnesses like allergic reactions, respiratory diseases, noise-induced hearing loss, skin disorders, certain cancers, chemical toxicity and more. It is the employers’ liability to get their employees an accident insurance provided by a Workers’ Comp.
What if your florist suffers from heat stress due to high temperature and heavy workloads? What if an accident takes place while using chemical substances in the flowers? Or what if your delivery man meets an accident on the road while delivering the flowers? If you work at a flower shop or your business is floriculture, do you have a workers’ comp policy to protect you and your business?
Whether you or your employees are busy serving your customers inside your shop or away doing flower arrangements in an event, wherever you may be, you can work freely knowing that you are covered from any job-related injuries.
SynchronoSure® offers a Workers’ Compensation insurance to give employers and employees the necessary protection while performing work-related duties. If you are an employer, you can be protected from paying the medical tests and procedures that your injured employee needs. If you are the employee, we can pay for the lost wages to your workers because of their absence from work due injury or occupational disease.