Are you a florist, garden center, or plant shop owner in Florida? Whether you’re arranging orchids in Vero Beach (32960) or growing your gift shop in Lakeland (33801), your retail operation deserves the right protection to thrive.
At Barefoot Insurance Brokers, we specialize in helping small businesses like yours secure tailored coverage through the Progressive Business Owners Policy (BOP)—a flexible, all-in-one insurance package built for retail and service-based businesses across the Sunshine State.
🌿 Why Florida Florists Need a Business Owners Policy (BOP)
As a florist or plant retailer, your shop is more than just a storefront—it’s where creativity meets commerce. With perishable inventory, fragile equipment, and daily foot traffic, one unexpected incident could disrupt your operations. That’s where a Progressive BOP comes in.
✅ Included in a Progressive BOP for Florists:
Business Property Coverage (for your flowers, displays, fridges, and decor)
General Liability Protection (if a customer slips or property is damaged)
Business Interruption Insurance (replaces lost income if you must close due to a covered loss)
Equipment Breakdown (including refrigeration or HVAC systems)
With Progressive’s strong appetite for retail and gift shop classes, florists and plant shop owners are a perfect match—especially if you don’t manufacture or import your products, and your business operates under 4 locations and $5M in total insured value.
🌴 Tailored Coverage for Florida ZIPs
We proudly serve retail florists and garden businesses throughout:
Lakeland (33801)
Vero Beach (32960)
Tampa (33614)
Naples (34102)
Port St. Lucie (34953) …and all across Florida’s coast and central communities.
Looking for florist insurance near me or business insurance for plant shops in Florida? You’ve found your go-to agency.
💐 Bundle Peace of Mind with Your Petals
Whether you’re a seasoned florist with an established clientele or a new plant shop opening in a Florida neighborhood, Barefoot Insurance Brokers can help you quote fast, save with multi-policy discounts, and protect your business from common risks.
You can even bundle your Progressive BOP with Commercial Auto or a Personal Auto policy to unlock extra savings!
As we head deeper into 2025, technology errors and omissions insurance (Tech E&O) is quickly becoming a must-have for Florida-based technology providers, SaaS companies, MSPs, and even digital marketing firms. This surge is being driven by increasing contractual requirements, heightened cyber threats, and evolving privacy laws.
At Barefoot Insurance Brokers, we help business owners not only secure affordable Tech E&O coverage, but understand the why behind it.
So—what’s driving the demand? Our underwriting partners and carriers like Corvus have flagged three major trends that every business owner should know:
🔐 1. Credential-Based Attacks Are Surging
Ransomware is evolving—and attackers are getting smarter. One of the biggest threats in 2025 is credential-based attacks targeting:
Weak or reused passwords
VPNs without multifactor authentication (MFA)
Remote access tools with poor security
According to industry data, nearly 30% of ransomware incidents in late 2024 stemmed from compromised credentials. The MOVEit breach is a perfect example: over 2,700 organizations—including universities and hospitals—were affected, even if they never used the software directly.
Tech E&O policies with strong cyber endorsements can help cover these types of vulnerabilities and protect businesses from third-party liability.
⚖️ 2. Privacy Lawsuits Are Heating Up
In 2024, lawsuits under BIPA, CCPA, CIPA, and similar data privacy regulations increased dramatically—and that trend is continuing into 2025. Even without a data breach, companies are facing legal action due to:
Improper cookie use
Ad tracking without consent
Sharing video or behavioral data
What does this mean for your Florida-based business? You need:
Clear privacy policies
Consent management tools
Cyber insurance that covers regulatory defense and fines
Our team at Barefoot Insurance Brokers will work with underwriters who understand these exposures and can tailor coverage to your business’s actual risk.
👩💻 3. Specialized Underwriters Make a Big Difference
Tech E&O applications can be complex. Underwriters are now asking detailed questions about:
Data collection and retention practices
Whether users can opt out of tracking or sharing
Security protocols like MFA and endpoint protection
That’s why it’s crucial to work with specialized Tech E&O and Cyber underwriters—not generalists. At Barefoot Insurance Brokers, we partner with carriers who combine underwriting with cyber risk advisory and claims expertise to deliver smarter policies and faster responses when it counts.
🛡️ Secure Your Tech E&O Insurance with Confidence
Whether your business is in Miami, Orlando, Tampa, Jacksonville, or anywhere across Florida, our team at Barefoot Insurance Brokers is here to help you navigate this rapidly changing market.
We offer custom Tech E&O and cyber liability insurance solutions that meet contract demands and protect your business from real-world risk—at competitive rates.
2025 is no time to leave your business exposed. Let us help you stay protected and compliant—before a cyber incident or privacy complaint becomes a costly problem.
