Business Insurance for Florists

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Flowers (i.e. Florists)
Cropped image of florist wrapping bouquet in pack paper in shop.
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Why do florists need insurance?

Your bouquets bring your customers joy, but that doesn’t make you immune to risks. A customer could slip in a puddle and get injured, or a storm could break a window. Safeguard your flower shop with affordable insurance that covers lawsuits, property damage, medical bills, and costly accidents.

Florist putting flowers into vase on a counter.
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Get same-day insurance

With Insureon, florists can get insurance coverage the same day they apply for quotes.

Fill out our easy online application to compare quotes from top-rated providers.

What types of insurance do florists need?

These insurance policies cover the most common risks faced by florists.

Business owner’s policy icon

Business owner's policy

A BOP bundles general liability coverage and commercial property insurance in one plan. It's often the most cost-effective type of business insurance for floral shops.

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

General liability insurance

This insurance covers legal fees from slip-and-fall injuries and other customer accidents at a flower store. Combine it with property coverage in a BOP for a discount.

BEST FOR
  • Customer bodily injuries
  • Damaged customer property
  • Product liability insurance
Workers’ compensation insurance icon

Workers’ compensation insurance

Most states require workers' comp for flower shops that have employees. It also protects sole proprietors from work-related injury costs that health insurance might deny.

BEST FOR
  • Employee medical expenses
  • Disability benefits
  • Lawsuits from employee injuries
Cyber liability insurance icon

Cyber liability insurance

This policy helps small business owners survive data breaches and cyberattacks. It's recommended for any florist that handles credit cards or other sensitive information.

BEST FOR
  • Customer notification expenses
  • Fraud monitoring services
  • Cyberextortion demands
Umbrella / excess liability insurance icon

Commercial umbrella insurance

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

BEST FOR
  • Customer injury lawsuits
  • Auto accident lawsuits
  • Employee injury lawsuits
Commercial auto insurance icon

Commercial auto insurance

Commercial auto insurance is usually required for business-owned vehicles. It covers financial losses when a florist’s delivery van or other vehicle gets into an accident.

BEST FOR
  • Physical damage and collision coverage
  • Injuries caused to another person
  • Repairs due to vandalism or weather
Looking for different coverage? See more policies.

How much does insurance cost for retail businesses?

Retailer with a clipboard calculating the cost of business insurance.

A small flower shop with a few employees will pay less for insurance than a larger store.

Factors that affect premiums include:

  • Retail products and services offered
  • Business property and equipment
  • Business income
  • Types of coverage purchased
  • Policy limits and other coverage options
View Costs

How do I get florist insurance?

It's easy to get florist business insurance if you have your company information on hand. Our application will ask for basic facts about your business, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:

  1. Complete a free online application
  2. Compare insurance quotes and choose policies
  3. Pay for your policy and download a certificate

Insureon's licensed insurance agents work with top-rated U.S. providers to find the right insurance coverage for your floral business, whether you work independently or hire employees.

What our customers are saying
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"I had an urgent contractual requirement for insurance in December to pay before the end of the year. Holly Burton worked with The Hartford to send me an invoice around Christmas. I have saved hundreds in taxes."
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"The response time was almost immediate. The options I was given were based on my company's needs. I received the policy in record time."
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Flowers (i.e. Florists)