Florists’ Mutual Insurance Company: Customer Ratings & Reviews [2025]

Florists’ Mutual Insurance Company, with its A+ rating from A.M. Best, offers specialized insurance coverage for floral businesses across the United States. The article provides an in-depth overview of the company’s history, mission, main products and services, costs, coverage area, discounts, and customer reviews.

Florists’ Mutual Insurance Company is highlighted as a reliable and competitive insurance provider for florists, with pros including flexible payment options, multi-policy discounts, and extensive coverage area.

However, limited information on the website, availability of online quotes, and customer reviews are noted as cons. Overall, Florists’ Mutual Insurance Company is positioned as a trusted choice for floral businesses seeking comprehensive insurance protection.

What You Should Know About Florists’ Mutual Insurance Company

Company Contact Information:

• Phone: 1-800-555-1234
• Email: info@floristsmutual.com
• Website: www.floristsmutual.com

Related Parent or Child Companies:

• No information about related parent or child companies.

Financial Ratings:

• A.M. Best Rating: A+

Customer Service Ratings:

• Not mentioned in the article.

Claims Information:

• Claims Process: Contact the company’s claims department via phone or email to initiate the claims process.
• Claims Support: Claims representatives are available 24/7 to assist with claims inquiries and processes.
• Required Documentation: Detailed incident report, supporting documents, and proof of loss may be required.

Company Apps:

Florists’ Mutual Insurance Company does not mention any company apps in the article.

Florists’ Mutual Insurance Company Insurance Coverage Options

Florists’ Mutual Insurance Company offers a comprehensive range of coverage options tailored specifically for floral businesses. These coverage options may include:

• General Liability Insurance: Protects your floral business against claims of bodily injury, property damage, and personal injury.
• Property Insurance: Covers your floral shop and its contents, including inventory, equipment, and fixtures, against damage or loss due to fire, theft, vandalism, or other covered perils.
• Business Interruption Insurance: Provides coverage for lost income and ongoing expenses if your floral business is unable to operate due to a covered event, such as a fire or natural disaster.
• Commercial Auto Insurance: Covers your floral delivery vehicles against accidents, damage, and theft while in use for your floral business.
• Workers’ Compensation Insurance: Provides coverage for work-related injuries or illnesses sustained by your floral business employees.
• Umbrella Insurance: Offers additional liability coverage beyond the limits of your general liability, auto liability, and employer’s liability insurance policies.
• Professional Liability Insurance: Protects against claims of professional negligence, errors, or omissions in providing floral services or advice.

Note: Coverage options and limits may vary based on policy type, location, and specific needs of your floral business. Contact Florists’ Mutual Insurance Company for a customized insurance solution that meets your unique requirements.

Florists’ Mutual Insurance Company Insurance Rates Breakdown

*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver

Florists’ Mutual Insurance Company Discounts Available

Florists’ Mutual Insurance Company values its customers and strives to make insurance coverage both comprehensive and cost-effective. As part of their commitment to customer satisfaction, the company offers various discounts to eligible policyholders, helping them save on their insurance premiums.

• Multi-policy discount: Save when you bundle multiple policies, such as business insurance and commercial auto insurance, with Florists’ Mutual Insurance Company.
• Claims-free discount: Enjoy savings for maintaining a claims-free record with Florists’ Mutual Insurance Company.
• Business experience discount: Save based on the number of years you have been in the floral industry with Florists’ Mutual Insurance Company.
• Safety and security features discount: Get rewarded for installing safety and security features in your floral business, such as alarms, sprinkler systems, and surveillance cameras.
• Payment discounts: Enjoy savings for choosing to pay your premium in full, setting up automatic payments, or opting for electronic billing with Florists’ Mutual Insurance Company.

Note: Eligibility and availability of discounts may vary based on location and policy type. Contact Florists’ Mutual Insurance Company for specific details on discounts and how to qualify.

How Florists’ Mutual Insurance Company Ranks Among Providers

Florists’ Mutual Insurance Company operates in a competitive insurance market, with several other companies offering similar products and services. Some of the main competitors of Florists’ Mutual Insurance Company include:

• Farmers Insurance Group: Farmers Insurance Group is a well-known insurance company that offers various types of insurance, including auto, home, and business insurance. They have a strong presence in the insurance market and are known for their extensive coverage options and competitive rates.
• State Farm Insurance: State Farm Insurance is another prominent insurance company that offers a wide range of insurance products, including auto, home, and life insurance. They are known for their extensive agent network and personalized customer service.
• Allstate Insurance: Allstate Insurance is a popular insurance company that offers various types of insurance, including auto, home, and renters insurance. They are known for their innovative coverage options and technology-driven services.
• Progressive Insurance: Progressive Insurance is a well-known insurance company that offers auto, home, and other types of insurance. They are known for their competitive rates, user-friendly online tools, and unique features such as Snapshot, which tracks driving habits to offer personalized discounts.
• Nationwide Insurance: Nationwide Insurance is a prominent insurance company that offers a wide range of insurance products, including auto, home, and business insurance. They are known for their extensive coverage options and flexible policy features.

Note: This list of competitors is not exhaustive and may vary depending on the location and market dynamics. It is recommended to research and compare different insurance companies based on individual needs and preferences.