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 cover the most common risks faced by flower shops.
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.
Most states require workers' comp for flower shops that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.
This policy helps flower stores survive data breaches and cyberattacks. It's recommended for any shop that handles credit card numbers 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 the costs of accidents involving a florist's delivery van or other vehicle.