Stocked for Love: Protecting High-Value Valentine’s Inventory with Business Insurance

For retail and floral businesses, the first week of February is a logistical marathon. Inventory levels are at their highest point since the December holidays. Whether it’s precious metals for a jewelry store or $50,000 worth of perishables for a florist, your business is currently carrying a massive amount of “unrealized” profit sitting in your storeroom.

If your Business Personal Property (BPP) limits were set based on your average monthly inventory, you are likely underinsured right now.

1. The Peak Season Endorsement

Most commercial policies allow for a Peak Season Limit Increase. This automatically increases your inventory coverage by a set percentage (usually 25%) during your busiest months. Check your policy this week to ensure February is designated as one of your peak months.

2. Inland Marine: The Transit Risk

With so many deliveries happening in early February, your risk isn’t just in the warehouse—it’s on the road. Inland Marine Insurance (don’t let the name fool you, it’s for land transit) protects your goods while they are being moved from the supplier to you, or from you to the customer. If a delivery van is stolen or involved in a crash, standard BPP won’t cover the lost inventory; only Inland Marine will.