Your bouquets bring your customers joy, but that doesn’t make you immune to risks – including customer lawsuits. Safeguard your flower shop with affordable insurance that covers inventory loss, legal costs, and more.
These policies provide coverage for the most common risks flower shops face.
A BOP bundles general liability insurance and commercial property insurance in one plan. It's often the most cost-effective type of business insurance for florists.
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.
Workers’ compensation insurance is required in almost every state for flower shops that have employees. It can cover medical costs for work-related injuries.
Once a florist’s policy limit is reached, umbrella insurance (or excess liability insurance) boosts coverage on general liability or employer’s liability policies.
Commercial auto insurance is usually required for business-owned vehicles. It covers the costs of accidents involving a florist's delivery van or other vehicle.