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Florist & Flower Shop Insurance: Cost & Quotes From $7/mo

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If one is trying to do something nice for your significant other, what can beat a bottle of champagne from a fancy liquor store and a new piece of jewelry? But no romantic gift would be complete without flowers. And speaking of flowers, the best pieces can only be bought from the flower shops of florists. 

Are you a florist or someone who runs a flower shop? If this is the case, don’t leave yourself vulnerable to exposures by not getting business insurance for florists and flower shops. 

This guide provides all the information about florist insurance and flower shop insurance. Read on to learn how it works, how much does it cost, and the best companies that provide it. 


Also read:

Do Florists Need Insurance?

So do florists need insurance? Whether employed or working alone, all florists need insurance. There are specific insurance policies that florists need to have to comply with legal requirements and satisfy the terms of contracts entered into with clients. For starters, liability insurance is the first type of policy all florists should get. Let’s proceed to the next section and discuss what this is. 



Florist Liability Insurance

Liability insurance is a primary inclusion in the tailored coverage for florists. Florist liability insurance is either a general liability or professional liability insurance. Let’s discuss how these two insurance for florists works. 


Florist General Liability Insurance

You can hurt someone while working. For example, you might be careless with a knife and cut a customer while packing flowers or making a bouquet. Accidents can also happen under your watch and the aggrieved person will put the blame on you. These exposures are what general liability insurance covers. 

Specifically, this type of florist business insurance mainly covers personal injury claims and property damage claims against you. Here’s how general liability insurance works:

  • In personal injury claims, general liability insurance will help you cover or reimburse the medical expenses of a third party whom you inflicted with personal injuries

  • In property damage claims, general liability insurance will enable you to refund the losses of the person whose property got damaged because of your fault 

  • General liability insurance covers defense costs such as attorney fees, settlements, administrative costs, etc. 


Carriers add optional products and completed operations coverage to the general liability insurance of florists. Products and completed operations coverage will cover expenses if a service you delivered caused personal injuries or property damage. 


Why is General Liability Insurance Important for Florists?

Flower shops are very colorful and bright with the kaleidoscopic petals of flowers on their premises and many think that flower shop businesses are free from risks. Nonetheless, florists worry about possible dangers. Not only to them but the customers as well. 

Many don't realize this but florists sell flowers that could harm people if not handled correctly. The table below outlines some flowers that might injure customers.


Possible Injuries to Customers 
Baby’s Breath Skin irritation, vomiting, and diarrhea
DaffodilsSkin burns, diarrhea, and vomiting
FoxglovesSeizures, dilated pupils, and sometimes death
HydrangeasFever and diarrhea
LarkspursParalysis, abdominal pain, and death
MarigoldsEye and ear irritation 
TulipsVomiting, diarrhea, and nausea

Customers can file a personal injury claim the moment they become injured by the flowers. Personal injury lawsuits, by the way, can be very problematic. You might be forced to spend $30,000 to settle minor injuries and more than $100,000 for severe injuries. The legal fee of the attorney adds $2,400 to the expense.


Florist Public Liability Insurance

Public liability insurance is an alternative to general liability insurance. Just like the policy above, it covers personal injury claims and property damage claims filed against you. Recognize that florist public liability insurance isn’t as comprehensive as general liability insurance because you can’t add optional policies to it. 


Florist Professional Liability Insurance 

Professional liability insurance will help if you’re accused of causing economic or financial harm to a client. In practice, this will cover settlements, attorney fees, administrative costs, and other legal expenses if you committed or allegedly committed negligence. Therefore, professional liability insurance provides protection when you:

  • Failed to warn a customer about the potential hazards associated with a particular flower

  • Made bouquets and other products haphazardly

  • Failed to observe safety protocols while working with flowers when there are people around


Note that negligence is just one of the many perils professional liability insurance covers. Other exposures included in the terms of this insurance are:

  • Violation of good faith

  • Violation of fair dealing

  • Breach of confidentiality

  • Misrepresentation


You have two options when buying professional liability insurance - purchase it as a claims-made policy or occurrence policy.  Here’s the difference between the two:

  • Claims-made professional liability insurance - A claims-made professional liability insurance only provides coverage if you report a covered incident during the time it happened 

  • Occurrence professional liability insurance - An occurrence professional liability insurance  kicks in whether or not you report a covered incident on the time that it happened. What’s important is that the covered incident occurred within the effective duration of the policy 


Florist Van Insurance

Florist van insurance is what’s commonly known as commercial auto insurance. For florists, this only covers liability for auto accidents and damage to one's own vehicle. Protection against uninsured/underinsured motorists is also offered.

Personal auto insurance can also function as a florist van insurance. However, this is only helpful if you only use a vehicle casually for business purposes. 

Temporary car insurance can be considered as florist van insurance. This is useful if you’re renting or borrowing a vehicle. Similar to long-term personal auto or commercial auto insurance, temporary car insurance provides protection against the liability for auto accidents, hefty expenses for vehicle repairs, and uninsured/underinsured motorists. 


Wedding Florist Insurance 

Wedding florist insurance is a specialty coverage a few insurance companies offer. This perfectly suits the needs of florists who contract work with wedding venues. Inclusions are general liability insurance with products and completed operations coverage, commercial auto insurance, and professional liability insurance. Business insurance only available to flower shops is also offered such as goods in transit insurance, workers compensation insurance, and tools and equipment insurance. 


Freelance Florist Insurance

Freelance florist insurance is a short-term insurance plan for independent florists. This is available as an hourly, daily or weekly policy. Primary inclusions are general liability and professional liability insurance. Optional policies you can add to it are rented/hired auto insurance and equipment theft coverage. 



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Flower Shop Insurance

If you’re someone who is running a flower shop and employing florists, carriers can’t cover you using a florist insurance policy. But still, don’t worry because there’s flower shop insurance that will protect you against exposures.

Flower store insurance is a specialty coverage consisting of numerous business insurance policies available by small and big ventures. While the flower shop insurance of different carriers differ, expect to always find these inclusions:


Commercial Property Insurance for Flower Shops

Commercial property coverage in flower store insurance takes care of business tangible assets. It provides funds for repair and replacement if parts of the building are destroyed because of a natural disaster or an unintentional accident. Parts, commercial property covers, are window panes, roofing, doors, and many more.

Commercial property insurance only covers the building and not the equipment and stocks inside. This is why you should add stocks and contents coverage and business tools and equipment coverage to the terms of commercial property insurance.

Stocks and contents coverage will refund the value of all the flowers in your inventory that got lost or damaged due to fire, theft, vandalism, and other covered perils. This optional policy can do more actually. Reimbursement for losses also applies if the aforementioned perils cause the loss or damage of valuable items of your flower shop such as furniture, fixtures, CCTV cameras, etc.

Business equipment and tools coverage works the same way as stocks and contents coverage. What makes it different is that it covers the loss or damage of flower shop equipment such as trimmers, knives, glue guns, coolers, floral adhesives, etc.

Commercial property insurance has exclusions. This insurance doesn’t protect your business against earthquakes, floods, and mudslides. You need an endorsement for these exposures.

Another important thing you need to know about commercial property insurance is that it doesn’t provide automatic protection for all of your flower shop’s tangible assets. Business properties you want to be covered must be named/scheduled on the policy’s terms.


Workers Comp Insurance for Florists

If contacting the skin on a regular basis, saps and oils in flowers can cause rashes, burns, and boils. Workers comp is an insurance for florists that will take care of the cost for any work-related injury or disease. By choosing to get workers' compensation insurance, your flower shop can easily cover the following:

  • Medical expenses-Your flower shop can use workers' compensation insurance to pay for ambulance fees, surgeries, therapies, and other resulting medical expenses when your employee experiences a work-related disease or injury such as rashes, burns, cuts, and boils

  • Hospitalization-If your flower shop’s employee is admitted to the hospital due to a work-related injury or disease, workers compensation insurance provides the money that will cover bills

  • Medication-With worker's compensation insurance in effect, your flower shop can pay for the prescription medicines an employee needs to fully recover from a work-related injury or disease

  • Rehabilitation-Workers compensation insurance will pay for rehabilitation if your employee needs it after sustaining bodily impairment due to a work-related injury or disease

  • Lost wages-Your flower shop can fully cover an employee’s lost wages as long as workers' compensation insurance is in place. The policy compensates lost income by providing a weekly allowance equal to two-thirds or 67% of the average weekly wage

  • Death benefits-Workers compensation insurance covers funeral expenses if an employee dies due to a work-related injury disease. It will also provide an allowance to dependents


Workers' compensation insurance is underwritten to cover employees. However, you can get this for yourself if you’re in a state where sole proprietors need to purchase workers' compensation insurance even if no individuals are employed.

Not getting workers' compensation insurance for your flower shop is punishable by law. The act is considered a criminal or civil offense. Punishment differs from state to state. However, penalties can be generalized as:

  • Imprisonment in the county jail

  • A fine multiplied by the days your flower shop wasn’t covered by workers comp

  • A fine twice the amount you would’ve paid for workers' compensation insurance premiums

  • Stop-hold order

  • Revocation of your business’s exclusive remedy


The Importance of Workers Compensation Insurance for Your Business

Having worker's compensation is very important. It’s estimated that 1 in 6 florists experience a work-related injury. But why are injuries so common? Aside from being toxic by themselves, flowers also contain pesticide residues that may cause sicknesses with regular human contact.

Compensation claims made by florists against flower shops can cost up to more than $1 million, provided that the injury resulted in lost income and reduced quality of life. Without worker's compensation coverage, such a compensation fee will deal a huge blow to flower shops.


Commercial Auto Insurance for Flower Shops

As with florists, insurance companies sell commercial auto insurance for flower shops. Your business’s commercial auto insurance will also cover liability for vehicular accidents, vehicle repair costs, and resulting expenses from getting involved in an accident caused by an uninsured or underinsured driver. But note that other protections are also available, namely:

  • Personal injury protection/medical payments coverage-Personal injury protection and medical payments coverage take care of the driver if your flower shop’s vehicle causes an accident or gets involved in an accident. Which of the two to get depends on which state your business is located

  • Non-owned auto/hired auto coverage-This optional coverage in commercial property insurance will cover your liability over accidents caused by a borrowed vehicle or rented vehicle used for business operations

  • Rental reimbursement coverage-Rental reimbursement coverage will refund what you spent to hire or rent another vehicle because the one your flower shop owns is being repaired


If your flower shop owns two or more commercial vehicles, we recommend looking for an insurance company that sells fleet insurance. Fleet insurance works the same way as commercial auto insurance. The one thing that makes it the better option is that you can insure multiple vehicles. In fact, it's cheaper than using separate commercial auto insurance policies to cover one vehicle at a time.


Business Interruption Insurance for Flower Shops

Don’t forget that all businesses experience a temporary stop in operations. And so, you should be very wary of the repercussions if your business can’t generate income. Business interruption insurance provides protection against this exposure. While your business isn’t generating income, business interruption insurance will provide the money you can use to cover payroll, loans, mortgage, taxes, and other operational costs.


Employer’s Liability Insurance

Get employer’s liability insurance if your flower shop is operating in a state that doesn’t provide an exclusive remedy to employers. If an employee sues for negligence after experiencing a work-related injury or disease, employer’s liability insurance will kick in to cover attorney fees, administrative costs, and other legal expenses.


Flower Shop Business Owner's Policy

Stand-alone insurance policies provide protection but not that much. Getting multiple policies will solve this issue though but might be a costly option.

Business owner's policy bundles different kinds of coverage to provide comprehensive and efficient protection. The coverages in business owners' policies differ from carrier to carrier. And so, here’s a table that shows the coverages in the BOP’s of different companies offering florist shop insurance.

CarrierBusiness Owners Policy Features
The Hartford-General liability
-Commercial property
-Workers compensation
-Commercial auto
AmTrust Financial-Business interruption
-General liability
-Commercial property
State Farm-Commercial property
-Liability coverage (general liability, products liability, public liability, and employer’s liability)
-Seasonal increase
-Accounts receivable
-Spoilage coverage
-Equipment breakdown
-Employee dishonesty
-Business interruption

*Optional coverages*
-Commercial auto
-Commercial liability umbrella policy
-Workers comp
-Data compromise and identity restoration


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Flower Shop Insurance Cost

Flower shop insurance doesn’t have a universal cost because every client is different, meaning that they bring a different level of risk to the carrier’s table. But generally, flower shop insurance cost $30 per month or $360 per year for a $1 million general liability insurance. 

While flower shops aren’t necessarily the riskiest kinds of businesses to insure, there are a couple of aspects that the insurance company will take a look at before they give you a quote. First, they’ll take a look at the history of the policyholder themselves, which is likely going to be you.

They’re going to see how many times you’ve filed a claim in the past to figure out if you’re likely to keep filing claims. In the eyes of an insurance company, filing claims too frequently means that your business likely has more problems than you’re letting on, even if they can’t find an issue themselves.

Another major thing that insurance companies consider when determining the cost of your insurance is the size of your business. A smaller business won’t have as many customers which means that there’s a smaller risk of something going wrong and the insurer needing to pay out on your behalf.

The opposite is true with larger businesses. If you have more clients that you’re dealing with on a daily basis, then it may be pretty likely that you’re going to file a claim at some point or another. We’ve gathered the following numbers using a medium-sized flower shop that has a clean sheet when it comes to its history:


Cost per MonthCost per YearBest for
State Farm$28$336Custom insurance policies
The Hartford$30$360Flower shop commercial property insurance coverage
AmTrust$33$396Small flower shops
Thimble$23.13$277.56Short-term florist insurance
NEXT$25.92$311.04Florists looking for a florist insurance that can be easily managed online
CoverWallet$17.91$214.92Florist insurance quotes comparison online

Always compare quotes to get an accurate estimate of your rates. Start here by clicking the “Get Quotes” button. Compare the offers and rates of different carriers to find the flower shop or florist insurance that perfectly suits your needs. 

Compare Flower Shop Insurance Quotes Online

Get all the best quotes from leading providers in a click of a button!

Best Flower Shop and Florist Insurance Company

It’s crucial that you pick the right insurance company to work with when you’re getting your flower store insured. You want to be sure that your insurance company has enough financial backing to cover its obligations if something goes wrong, but there’s more to it than just that.

Picking out the right company will also ensure that you get access to the best customer service available and a quicker claims response time. When you’re on the hook for a large sum of cash, every moment you have to wait for your claim to process is likely going to have you sweating bullets, after all. That said, here's a review showing the different best flower and florist insurance company pros, cons, and rate for a $1 million general liability coverage. 


CoverWallet Florist Insurance

Pros

  • Has terrorism coverage

  • Add landlords or clients as additional insureds for free

  • Cancel a policy anytime 

Cons

  • CoverWallet’s florist insurance is made out of the policies of its partners 

CoverWallet’s florist insurance is available in four options - basic, standard, pro, and custom. We suggest you go for the basic plan if you’re a full-time freelance florist as it only offers general liability insurance - the only policy you’ll find useful.  Consider getting the pro plan if you're an owner of a flower shop. It’s a business owner’s policy that provides you with general liability insurance, commercial property insurance, and workers compensation insurance. 

Best for: Florist insurance quotes comparison online

Average cost: $17.91 per month

Our rating: 5/5


AmTrust Flower Shop Insurance

Pros

  • Experienced in the small business insurance industry

  • Positively reviewed by AM Best

Cons

  • Insurance policies are more catered for starting flower shops

AmTrust is an insurance carrier from New York City that mainly specializes in providing experience to small businesses, and flower shops fall under that umbrella. The company has an rating of A- (Excellent) from AM Best, and the business has been in operation since its founding in 1998.

AmTrust has a somewhat more limited selection of coverage types than the competition but they make up for it in their degree of specialization. The company offers BOPs that combine liability and property coverage and they also have workers’ comp and cyber liability coverage.

Best for :Small flower shops

Average cost: $33 per month

Our rating: 5/5


State Farm Flower Shop Insurance

Pros 

  • Has policies exclusively made for florists

  • Affordable liability policies

  • Customizable policies

Cons

  • Additional options for insurance policies have hefty costs

State Farm is known for being the single largest provider of auto insurance in America as well as the biggest property and casualty insurance carrier. Since the company’s inception, it has developed a reputation for working with a system of captive agents, helping to keep the carrier’s quality consistently high.

State Farm offers specific insurance policies for florists but they give the customer a good degree of leeway when it comes to customizing their coverage. For example, you can choose between many different kinds of coverage, including liability coverage, property coverage, seasonal increase coverage (useful for florists), and a lot more.

Best for: Custom insurance policies 

Average cost: $28 per month

Our rating: 5/5


The Hartford Flower Shop Insurance

Pros

  • Exceptional commercial property policy

  • Transparent quotation

  • Offers resources to help you make a decision

Cons

  • Quickness of claims processing have to be taken with a grain of salt

The Hartford is one of the oldest insurance companies in America, being founded in the early 1800s in Hartford, Connecticut. The company is known for its distinctive red logo which features a stag, an animal which is also featured on the city’s coat of arms.

The Hartford offers specific insurance policies for flower shops that most commonly include the following types of coverage: general liability, commercial auto, commercial property, and workers’ comp. They also offer BOPs that combine general liability insurance and commercial property coverage.

Best for: Flower shop commercial property insurance coverage

Average cost: $30 per month

Our rating: 5/5


Thimble Florist Insurance

Pros

  • ACORD 25 certificate of insurance

  • You can choose not to have a deductible

  • Flexible coverage options 

Cons

  • Doesn’t underwrite commercial auto insurance for florists 

Thimble’s florist insurance allows you to enjoy a short-term general liability coverage. You can choose to get covered for only hours, days, weeks, or months. If bought as a long-term plan, this company’s florist insurance also offers commercial property insurance, professional liability insurance, business interruption insurance, and  equipment breakdown insurance. 

Best for: Short-term florist insurance 

Average cost: $23.13 per month 

Our rating: 4.5/5


NEXT Florist Insurance 

Pros

  • Bundle two or more insurance and get a 10% discount

  • Send your proof of insurance as an email, photo, or text message

  • File a claim online 

Cons

  • NEXT doesn’t provide coverage to high-risk florists 

NEXT florist insurance allows you to avail general liability, commercial property, commercial auto, and workers compensation insurance. Note that this company allows you to do whatever you want with your policies quickly online. 

Best for: Florists looking for a florist insurance that can be easily managed online 

Average cost: $25.92 per month 

Our rating: 4.5/5


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