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.
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.
These insurance policies cover the most common risks faced by florists.
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.
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.
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.
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.
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.
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.
A small flower shop with a few employees will pay less for insurance than a larger store.
Factors that affect premiums include:
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:
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.