Effective September 17, 2026.
What Flora is
Flora is a data vendor, not an insurer, agent, or underwriter. Flora reports evidence-backed observations; the carrier makes every coverage decision. Flora does not price, issue, place, or end insurance coverage and does not recommend coverage decisions. Nothing on this site is an offer of insurance, an insurance application, or a coverage recommendation.
How Flora is paid on premium additions
Flora flags premium additions and may earn a finance spread if the insured chooses to finance the endorsement. Alert fees are priced on premium actually added, not on alerts sent. Financing is offered separately and only where Flora is licensed or confirmed exempt.
What verification covers
Confirms the business exists, the contact is real and reachable, and details match the application. Identity and consistency, not headcount.
What the readiness score is
A readiness score is 100 minus deductions for things we can observe, each listed as a reason. It is not a verdict and it is not a measure of honesty.
What a growth signal is
Premium additions are a growth signal: there is probably more premium here, worth a call to endorse, collect, and get the policy right. Never a policing message.
Calls and texts
Calls and texts are about the insured’s own policy. Anyone who replies STOP is never texted again; with no recorded consent Flora places live human calls only.
Text message program terms. Flora sends texts only about the recipient’s own workers’ compensation policy: verification questions and audit-readiness reminders. Message frequency varies with the policy file. Message and data rates may apply. Reply STOP at any time to stop; reply HELP for help. Carriers are not liable for delayed or undelivered messages.