Business Insurance for Florists

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Cropped image of florist wrapping bouquet in pack paper in shop.
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Your bouquets bring your customers joy, but that doesn’t make you immune to risks – including customer lawsuits. Safeguard your shop with affordable florist insurance that covers inventory loss, legal costs, and more.

Florist putting flowers into vase on a counter.
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Florists can compare insurance quotes from top U.S. carriers online with Insureon. Fill out one application to receive multiple quotes.

What types of insurance do florists need?

These policies provide coverage for the most common risks flower shops face.

Business owner’s policy icon

Business owner's policy

A business owner’s policy bundles commercial property and general liability insurance in one plan. A BOP is often the most cost-effective type of commercial insurance for florists.

  • Customer injuries
  • Damaged flowers, vases, or other inventory
  • Business interruption incidents
General liability insurance icon

General liability insurance

This policy covers common florist risks, such as customer property damage and customer injuries. Bundle with property insurance for savings in a business owner’s policy.

  • Slip-and-fall accidents
  • Damaged customer property
  • Libel or slander lawsuits
Workers’ compensation insurance icon

Workers’ compensation insurance

Workers’ compensation insurance is required in almost every state for flower shops that have employees. It can cover medical costs for work-related injuries.

  • Employee medical expenses
  • Partial missed wages
  • Lawsuits over employee injuries
Umbrella / excess liability insurance icon

Umbrella / excess liability insurance

Once a florist’s policy limit is reached, umbrella insurance (or excess liability insurance) boosts coverage on general liability or employer’s liability policies.

  • Customer injury lawsuits
  • Customer property damage lawsuits
  • Employee injury lawsuits
Looking for different coverage? See more policies.

How much does insurance cost for retail businesses?

Woman with clipboard calculating cost of insurance for her retail business.

Several factors will have an impact on insurance costs, including:

  • Retail products and services offered
  • Business equipment and property
  • Revenue
  • Location
  • Number of employees
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Why do florists need insurance?

Running a flower shop involves a balance between assisting customers and caring for your bouquets and other inventory. The last thing you want to worry about is a liability lawsuit or property damage. Florist insurance can give you peace of mind, allowing you to focus on growing your floral business.
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