Business Insurance for Florists

Compare multiple quotes from top carriers with one application.
Flowers (i.e. Florists)
Cropped image of florist wrapping bouquet in pack paper in shop.
Logos of Insureon's Partners
We partner with trusted A-rated insurance companies

Save money by comparing insurance quotes for florists

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.

Florist putting flowers into vase on a counter.
Compare insurance quotes icon

Compare quotes from trusted U.S. carriers

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 cover the most common risks faced by flower shops.

Business owner’s policy icon

Business owner's policy

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.

  • 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
  • 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 injury costs that health insurance might deny.

  • Employee medical expenses
  • Partial missed wages
  • Lawsuits over employee injuries
Cyber liability insurance icon

Cyber liability insurance

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.

  • 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.

  • 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 the costs of accidents involving a florist's delivery van or other vehicle.

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

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.

How much does insurance cost for retail businesses?

Retailer with a clipboard calculating the cost of business insurance.

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

  • Retail products and services offered
  • Business equipment and property
  • Revenue
  • Location
  • Number of employees
View Costs
What our customers are saying
Carousel prev arrow
"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."
Richard C.
Software / internet design
"Raynaldo made quick work of things. I told him what I needed, and ultimately I had a certificate of insurance in a matter of hours."
Michael D.
"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."
Esther L.
Management consultant
Carousel next arrow
Insureon customer reviews on Feefo
Compare insurance quotes for florists
Save money by comparing insurance quotes from multiple carriers.
Flowers (i.e. Florists)