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In the Bloom with Maria: If your wedding services grow beyond flowers—will your insurance cover them?

In the bloom with Maria

Providing floral arrangements for the wedding party, church, and reception is now only part of the services many shops and studios offer to couples. As Hortica Retail Sales Specialist Maria Shepherd found out, adding services like catering and entertainment should prompt adding an insurance review.

In the article, “New Jersey Florist Launches Wedding Planning Platform”, published in May 2018 in the Society of American Florists Industry News segment, author Katie Hendrick caught up with Alexa Maniaci, the owner of Anna Rose Floral and Event Design in North Haledon, New Jersey.

After booking more than 150 weddings in a year, Maniaci wanted to find a better way of coordinating her employees on the job. She found she needed to improve internal communications with her team and other vendors, and also wanted clearer task lists that could be updated in real time—while keeping clients in the loop.

That’s when she came up with the idea of building a prototype organizational service—Aflutter. It includes a mobile app and is available for all wedding professionals and brides. About 300 couples and 10 of Maniaci’s vendor contacts are already using it. She hopes to have another 20 or 30 vendors signed up by the end of the summer. She also plans to pursue partnerships with wholesalers in the floral industry in coming years.

If you’re acting as a subcontractor and signing contracts with caterers, entertainers, and other vendors as part of your wedding services, you’ll want to check your business insurance policy. Make sure your liability coverage extends to the add-ons you’re providing.

Talk with your Hortica representative about this or any other concerns you might have about your policies and coverages. They’ll be happy to sit down with you and make sure you have the protection you need.

Related links:

Learn more about protecting your business by checking out the Hortica Resources section.

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