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Businessowners Advantage for Floral Operations

Insurance coverage tailored for retail floral businesses.

American National Property And Casualty Company's (ANPAC®) Businessowners Advantage policy was created to provide affordable quality protection for retail floral businesses.

Property Protection

Businessowners Advantage includes coverage for your buildings, permanently installed equipment, outdoor fixtures and business personal property.

Other Coverages include:

  • Accounts Receivable
  • Money and Securities
  • Forgery or Alterations
  • Debris Removal
  • Outdoor Property, including signs
  • Newly Acquired Property
  • Property in Transit or Temporarily Off Premises
  • Valuable Papers and Records (cost of research), including electronic or magnetic media
  • Property of Others while in your care, custody or control
Liability Protection

Liability coverage is valuable protection in the event of a lawsuit for a negligent act in the course of your business. This important protection is an automatic feature of Businessowners Advantage, and is available in various limits to accommodate your needs.

The following items are included:

  • Premises and Operations
  • Hired & Non-owned Auto (available in most states)
  • Products/Completed Operations
  • Personal Injury
  • Advertising Injury
  • Fire Legal Liability
  • Medical Expense
  • Primary and Noncontributory coverage (available in most states)
  • Waiver of Subrogation (available in most states)
Loss of Income

Your business income is paid, up to twelve months, when your business is interrupted by an insured peril. Businessowners Advantage also pays for certain extra expenses needed to resume normal business operations.

Special Features

In addition to the coverages outlined here, you will also benefit from special features found in Businessowners Advantage:

Replacement Cost Coverage. Pays the cost of replacing your buildings or business personal property with materials of like kind and quality at current prices. Coverage on an actual cash value basis is optional.

Equipment Breakdown Coverage. Covers physical and financial damage from an insured equipment failure. Coverage for many types of equipment including: electrical distribution systems, HVAC, telephone and electronic systems and equipment.

Deductible Options. Allows you to choose higher deductibles for additional savings.

Automatic Increase in Insurance. Prevents inflation from devaluing your insurance protection by automatically increasing the amount of coverage on your buildings each year. A choice of percentages is available on an optional basis.

Peak Season Coverage. Increases your limit for business personal property automatically - a valuable feature if your inventory fluctuates seasonally.

Premium Discounts. Lowers your payments with credit for qualified security systems.

Payment Plans. Spreads out your premium payments to free up capital for current business needs.

Optional Coverages

Depending on your exact business needs, you may want to include some of the following coverages in your policy:

  • Extended Refrigeration Coverage for Florists
  • Utility Services - Direct Damage
  • Employee Dishonesty
  • Employee Benefits Liability
  • Glass Coverage
  • Outdoor Signs in higher limits
  • Accounts Receivable in higher limits
  • Valuable Papers & Records in higher limits
  • Earthquake
  • Spoilage Coverage

 
 

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All products, coverages and options are not available in all states, and eligibility requirements will apply. Products and services referenced in this website are provided through multiple companies. Each company has financial responsibility only for its own products and services, and is not responsible for the products and services provided by the other companies.

Life insurance and annuities are issued through American National Insurance Company, Galveston, Texas. Property and casualty insurance is issued by American National Property And Casualty Company (ANPAC®), Springfield, Missouri, its subsidiaries or affiliates, including American National General Insurance Company, Pacific Property And Casualty Company (California), American National Lloyds Insurance Company (Texas), American National County Mutual Insurance Company (serviced by ANPAC®-Texas), and ANPAC® Louisiana Insurance Company (Louisiana). American National Property And Casualty Company is a subsidiary of American National Insurance Company.

Disability Income products and services are provided by Illinois Mutual Life Insurance Company, Peoria, Illinois.

Tax issues that may be discussed are subject to change, and this is for your information only. Discussion of such issues does not constitute tax or legal advice. Please consult your tax advisor, attorney or CPA for guidance on all tax matters.

These brief descriptions of available coverages are for illustration purposes only, and are not intended as a statement of contract. For actual terms and conditions of coverage provided, refer to your insurance policy. For more information about coverage options and availability, talk to your American National agent. The American National Family of Companies reserves the right to discontinue programs at any time.

This site may have links to other sites not maintained by American National Insurance Company, its subsidiaries or affiliates. Such links do not imply endorsement or approval of these sites or the content therein by American National, its subsidiaries or affiliates.