Insurance built for florists and flower shops
From a slip on a wet shop floor to spoiled inventory in a broken cooler, we connect you with specialists who know the floral trade — and the coverage that keeps it blooming.
America's Trusted Florists Insurance Experts
Licensed specialists who know your local requirements and carriers — not a generic national script.
“I always dreaded insurance. They matched me with someone who actually understood spoilage and delivery coverage — sorted in a day, no jargon.”
Renée D. · Florist · Portland, OR
Where florists get exposed
These are the scenarios our specialists see most often in your industry — and the coverage that responds when they happen.
Protect against these risksRefrigeration breakdown & spoilage
A failed cooler overnight can spoil thousands of dollars of perishable flowers. Spoilage and equipment breakdown coverage helps recover the loss.
Customer slip-and-fall
Wet floors from watering and trimming are common. General liability covers medical bills and legal costs if a customer is injured in your shop.
Delivery accidents
If you deliver arrangements, an accident in a company vehicle exposes you to liability. Commercial auto covers your drivers and vehicles.
Damaged goods in transit
Arrangements damaged en route to a wedding or event are covered by inland marine while property is away from your shop.
Why florists can't skip coverage
- Perishable inventory means a single equipment failure can be catastrophic — standard homeowners or personal policies won't cover business losses.
- Wedding and event contracts increasingly require proof of general liability insurance before you can work a venue.
- If you have even one part-time employee, most states legally require workers' compensation.
By the numbers
$42/mo
Avg. GL policy for florists
68%
Shops that cite spoilage risk
120+
Specialists in our network
What florists need to be covered
Running a flower shop means juggling perishable inventory, walk-in customers, delivery routes, and busy holiday rushes. A single cooler failure or a customer injury can wipe out a season's profit. The right policy protects your storefront, your stock, and your reputation.
Business Owner's Policy (BOP)
Bundles general liability and commercial property into one cost-effective package built for small businesses.
General Liability
Covers third-party bodily injury, property damage, and advertising injury claims — the foundational policy nearly every business carries.
Inland Marine
Covers tools, equipment, and goods while in transit or away from your primary location — beyond standard property limits.
Commercial Property
Protects your building, inventory, equipment, and furnishings against fire, theft, storms, and other covered losses.
Commercial Auto
Covers vehicles used for business — liability, collision, and physical damage for owned, hired, and non-owned autos.
Workers' Compensation
Pays medical bills and lost wages when an employee is injured on the job. Required in most states once you have employees.
Florists insurance FAQ
Yes. A Business Owner's Policy bundles liability and property protection at a small-business-friendly price, and most commercial leases and event venues require proof of coverage.
Get matched with a florist specialist
Share a few details and a licensed agent who understands florists will reach out with tailored options. No cost, no obligation.
- Takes about 2 minutes
- One specialist, start to finish
- We compare multiple A-rated carriers
- Licensed to serve clients in your state