Decorative & Floral Services Home Business Insurance

Decorating may be a hobby for some but, for you, it is a thriving business! Lindbergh organizes insurance policies that caters to the specific intricacies of industries that blend artistry and strategy to fashion attractive goods that enhance its surrounding environment.

 

Balloon Art

We strive to offer protection to professional balloon artists who create various custom pieces for clients, such as balloon shapes and animals, as well as archways for larger-scale events. Eligible balloon artists use expensive, pressurized oxygen tanks as a part of regular operation; luckily, this policy provides coverage for such equipment, even if your business operations require you work remotely at places like festivals.

We suggest checking out our Additional Insureds Coverage if you’re interested in displaying your work at fairs or other events off-premises.

Note: Communicable Disease Exclusion* will be attached to all policies written for this class. *Exclusion not applicable in Florida, Illinois, Texas, and Washington.


 

Floral Arrangement

We work to protect floral arrangers who work with cutting tools, wires, and wood stakes to assemble fresh cut flowers and/or silk or plastic flowers into arrangements. Greenhouses and/or nurseries are not eligible under this class. For regular maintenance of a plants owned by a client, regard the Plant Care and Sales business listing.

Note: Communicable Disease Exclusion* will be attached to all policies written for this class. *Exclusion not applicable in Florida, Illinois, Texas, and Washington.


 

Interior Decorating

Interior decorators and stagers who qualify tackle numerous beautifying tasks, such as eliminating clutter and coordinating colors, as well as selecting and rearranging furniture, floor and wall coverings, lighting, and curtain materials.

These business owners work within the space’s currently existing architecture. Please be aware that building renovations, structural changes, installation of cabinets or fixtures, furniture distributors, and interior designers/architects are not eligible under this class. Similarly, contracting operations (i.e. painting, carpentry, landscape) also are not eligible.

We require qualifying interior decorating businesses to operate with the following in mind:

  • BPP Off-Premises limited to 90-days.
  • The storage of furnishings belonging to the homeowner is not accepted; however, the use of third-party furniture rental companies is protected.
  • Simple installations (i.e. hanging of pictures, changing outlet covers) is allowed, as is the decorating of kiosks and window displays.

Note: Communicable Disease Exclusion* will be attached to all policies written for this class. *Exclusion not applicable in Florida, Illinois, Texas, and Washington.


 

Interior Window Treatments

We consider eligible businesses those who conduct sales of curtains, drapes, blinds, and the hardware that they hang on. While installation of these items by the insured individual is acceptable, no subcontractors are covered under this class, as it would render the operation illegal.

V2K and Budget Blinds Distributors are eligible through this policy.

Note: Communicable Disease Exclusion* will be attached to all policies written for this class. *Exclusion not applicable in Florida, Illinois, Texas, and Washington.

WHAT OUR CUSTOMERS SAY

Letitia Hauser was so helpful. She answered all of my questions and never made me feel rushed. She made me feel like my small business is important. Oh definitely. As a matter of fact I’m hosting a local small business gathering in July and I will be mentioning you. Also telling how supportive Letitia was, … Continue reading Shonna Hilliard

Shonna Hilliard