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Flower Shop Insurance & Florist Liability Insurance

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If you’re 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? No romantic gift would be complete without flowers. Flowers will never get outdated , and this is why a flower shop will always thrive no matter how nil sales may be. 

When you’re in the business of selling flowers, the last thing you want is a  bad day to ruin your dream of running a bustling and lively flower store. The best way to make sure that this doesn’t happen is by having the proper coverage. 

We’ll explore the different policies in flower store insurance as well as how much you’ll have to spend to get insured. Before the discussion ends, you’ll also look at three of the best insurance companies for florists.

Florist Liability Insurance

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 in a flower shop. Personal injury lawsuits, by the way, can be very  problematic. It might require the flower shop 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 liability insurance with general liability coverage offers protection against customer personal injury claims. General liability will take care of the expenses for attorney fees and settlement to the plaintiff by giving the policyholder $1 million up to $2 million. 

During the summer season, the wind can easily carry pollen from the flower shop and spread it in an area. Those who suffer an allergic reaction after this happens can file a lawsuit as a result. Note that general liability coverage only covers customers and not random people outside a flower shop. 

Florist liability insurance offers public liability coverage that takes care of what general liability can’t cover. This policy will take care of lawsuits filed by non-customers against a flower shop. In practice, many carriers offer public liability as an optional term to their general liability coverage. 

What if a customer accuses a florist of causing injuries by being negligent? What insurance will provide coverage? Professional liability coverage will take care of everything if ever this happens. To be quick, professional liability coverage in florist insurance applies when a florist is accused of causing injuries by doing the following:

  • 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

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Flower Shop Insurance Coverage

Flower shops should ensure that their flower shop insurance has commercial property, commercial auto, and contents coverage. 

Commercial property coverage in flower store insurance takes care of the flower store. 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, signage, lamps, flower display racks, and many more.

Commercial property coverage only covers the building and not the equipment and stocks inside. And to address this problem, contents coverage exists. Contents coverage provides reimbursement according to the total projected value of damaged flowers and equipment after a natural disaster, fire, or an unintentional accident. 

Commercial auto insurance is useful for flower stores who offer flower delivery and rental services to customers. This kicks in when the flower shop’s vehicle causes an accident. In practice, this insurance helps by reimbursing the medical fees  and settlement of those injured.

Workers Comp Insurance for Florists

Some flower shops don’t provide adequate workers comp insurance. This is punishable by law and any florist experiencing this issue can report their employer to the authorities. If found guilty, the flower shop can face a fine of $10,000 or $15,000 and the owner imprisoned for 1 year and 6 months. 

Workers comp is an insurance for florists that will take care of the cost for any work related injury. If contacting the skin on a regular basis, saps and oils in flowers can cause rashes, burns, and boils. For this reason, experts require florists to always wear gloves while working.

Having workers 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 florist insurance with workers compensation coverage, such a compensation fee will deal a huge blow to  flower shops. Workers comp coverage gives the policyholder $105,000 for work-related physical injuries and $510,000 for injuries resulting from diseases. 

On a further note, workers comp doesn’t only account for injuries but missed wages as well.  Florists won’t think twice about raising a lawsuit if they’re not paid. A good example of this are the florists and other employees of Rocket Farms who raised a lawsuit after the company allegedly  failed to provide adequate compensation for their time and effort. 

Florist 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. And so, what we recommend flower shops and independent florists do is get florist business insurance with a business owner's policy. 

Business owner's policy bundles different kinds of coverage to provide comprehensive and efficient protection to the policyholder.  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 flower 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. Insurance is a business that exists solely because of risk, and insurance carriers are masters of determining the degree of risks your business faces.

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 their history:

CompanyCost per monthCost per year
The Hartford$30$360
AmTrust$33$396
State Farm$28$336
Average Cost$72.33$868

As you can see from the numbers in the table, the average cost of insurance for a flower shop is just over $72.33 a month and $868  a year. Keep in mind that this is just an average.

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Best Flower Shop Insurance Companies 

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 their 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.

The Hartford Flower Shop Insurance

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 Insurance Policy Details

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.

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

Average cost: $30

Best for: Flower shop commercial property nsurance coverage

Our rating: 5/5

AmTrust Flower Shop Insurance

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 Policy Details

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.

Pros
  • Experienced in the small business insurance industry
  • Positively reviewed by AM Best
Cons
  • Insurance policies are more catered for starting flower shops

Average cost: $33

Best for: Small flower shops

Our rating: 5/5

State Farm Flower Shop Insurance

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 Policy Details

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.

Pros 
  • Has policies exclusively made for florists
  • Affordable liability policies
  • Customizable policies
Cons
  • Additional options for insurance policies have hefty costs

Average cost: $28

Best for: Custom insurance policies 

Our rating: 5/5


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