Decorative and Floral Services

Click on a decorative and floral services category below to see detailed descriptions of pre-qualified businesses.

Balloon Art*
Consists of decorating with balloons including making archways and performing balloon shaping, etc.

Floral Arranging*
Floral arrangers work with cutting tools, wires and wood stakes to assemble cut flowers and/or silk or plastic flowers into arrangements in floral foam, clay or Styrofoam. The maintenance/watering of customer’s plants are not eligible under this class. Please refer to the Plant Care and Sales Class. Greenhouses and/or nurseries are not eligible under this class.

Interior Decorating*
Interior decorators/stagers will eliminate clutter, coordinate colors, select or rearrange furniture, floor and wall coverings, lighting, curtain materials. They work within the existing architecture. Building renovations, structural changes, installation of cabinets or fixtures, furniture distributors, interior designers/architects are not eligible under this class. Absolutely NO contracting operations (i.e. painting, carpentry, landscape) are eligible.

• BPP Off Premises limited to 90-days.
• No hiring or paying of contractors - homeowner or realtor must handle this exposure.
• Storage of homeowners furnishings by insured is not acceptable.
• The use of third party furniture rental companies is acceptable.
• Simple installations — i.e. hanging of pictures, changing outlet covers, is acceptable.
• Decorating of kiosks and window displays is acceptable.

Interior Window Treatments*
Sales of curtains, drapes, blinds and the hardware that they hang on. Installation of these items by the insured is acceptable. No Subcontractors.

V2K and Budget Blinds Distributors are eligible under this class.

*NOTE – IN STATES WHERE APPROVED: Communicable Disease Exclusion will be attached to all policies written for this class.