Florists

What Does GL Code 12841 Cover?

ISO GL class code 12841 covers businesses primarily engaged in the retail sale of cut flowers, floral arrangements, potted plants, and related accessories. This code classifies operations ranging from traditional flower shops to floral design studios, focusing on the general liability exposures associated with customer interactions, premises, and product sales.

Who Uses This Class Code?

Retail flower shops, floral designers, event florists, plant nurseries with significant retail floral sales, and businesses offering floral arrangement services for delivery or pickup.

Common GL Claims for This Class

Common claims for florists include slip-and-fall incidents by customers on premises, property damage caused during delivery or setup at event venues, and product liability claims from allergic reactions to flowers or plants.

Coverage Tips for Code 12841

• Ensure your policy includes coverage for products-completed operations, as claims can arise from allergic reactions to plants or faulty floral accessories.
• Verify that your general liability policy extends to off-premises events if you provide floral services for weddings or corporate functions.
• Maintain accurate records of gross receipts for audit purposes, as this is the basis for premium calculation for florists.
• Consider inland marine coverage for valuable inventory, especially during transit or storage for large events, as standard GL may not cover all risks.