Flower Shop Insurance

Why Is Insurance for Florists Important?

You work hard to run a successful flower shop, but being a small business owner means you face unique risks. From employee injuries to damaged equipment, every day accidents can put your flower shop at financial risk. That’s why business insurance is essential to helping you grow.

Common Coverages for Florist Business Insurance:

General liability
Commercial property
Workers’ compensation
Responsabilidad profesional
Commercial auto

Get Started With a Business Owner’s Policy (BOP) for Florists

Many florists start with a Business Owner’s Policy (BOP) for their insurance needs. It combines three types of insurance coverages many small businesses need to help protect them from various risks.

General liability insurance can help cover claims that your flower shop caused bodily injury or property damage. If a customer slips on your wet floor after you watered your flowers, this insurance can help pay for their medical bills.

Commercial property insurance helps protect your owned or rented building and the equipment you use to run your flower shop. This includes:

Flores
Hoses
Floral wire and tape
Scissors and cutters
Flower coolers

Business income insurance, also known as business interruption insurance, can help replace your lost income if you can’t open your flower shop because of damage to your property.

Instant Delivery

No matter when you need it, get your proof of insurance instantly online.

Taking Care of Your Flower Shop Team

We know running a flower shop comes with lots of responsibilities. And it also brings risks you might not even realize. From cutting and arranging floral arrangements to making sure flowers have enough water, your employees can get hurt from their work. Help protect them with flower shop insurance.

Falls were the top non-fatal preventable injury in the U.S. in 2018.¹

Employee Injuries

“One of my florists slipped on a puddle of water in the middle of the floor while watering our flowers. He broke his wrist and needed two months off to recover.”

Workers’ compensation insurance gives your employees benefits to help them recover from a work-related injury or illness. With our coverage, your employees have access to over 1 million providers and 65,000 pharmacy locations in the country.

Customer Lawsuits

“My team put together a floral design for a customer’s wedding. We agreed on using certain flowers, but one of my employees mixed in some others as well. The bride was furious when she saw the wrong flowers and she sued our shop.”

Florist errors and omissions insurance can help protect your business if a client sues you for making a mistake in your professional services. Also known as professional liability insurance, this coverage can help pay for your legal costs, settlements and judgments.

Covering Your Flower Shop's Property

A fire, storm or any other property damage can prevent you from opening and running your flower shop. That’s why florist insurance is important to have because it can help you make the necessary repairs to get back up and running after a covered property loss.

Nearly 40% of small businesses never reopen following a disaster.²

Daños a la propiedad

“We had a huge summer thunderstorm come through. A tree ending up getting knocked down from the wind and landed on top of our flower shop, ripping a hole in our roof.”

Commercial property insurance can help cover your repair costs if your flower shop gets damaged. If your equipment gets damaged, this insurance can also help cover the repair or replacement costs.

Perishable Goods in Transit

“We were transporting flowers from Florida and the refrigeration on our delivery truck broke. By the time our truck got back to the store, the flowers died.”

Get coverage to help protect perishable goods in transit. If they spoil, this insurance can help pay the costs to replace them.

Covering Your Flower Shop's Operations

We understand that running a flower shop is hard work. With the right flower shop insurance coverages, you can help protect your business from different risks and help it stay successful.

40% of small business owners are likely to experience a property or liability claim in the next decade.³

Lost Income

“A fire broke out overnight in the store next to our flower shop and caused heavy smoke damage. It was the night before Valentine’s Day and we couldn’t open for our busiest week of the year.”

Business income insurance can help recover your lost income if your shop has to close because of property damage.

Florist Event Insurance

“We started hosting floral arrangement classes at our shop, inviting customers to buy wine at the events. At the end of the night, a customer accidentally drove over the fence at a next door business. The business owner sued us for damages because we served our customer wine.”

Whether you’re offering classes with drinks or selling gift baskets with alcohol, you can add liquor liability coverage to your flower shop insurance. This helps protect your business if someone gets hurt or causes property damage after drinking at your shop.

Florist Shop Insurance Made Just for You

When it comes to running a successful floral shop, you need an insurance company you can trust and rely on. With over 200 years of experience, we’ve helped over 1 million small business owners like you. We understand every business is unique and we will work with you to get the right type of coverage to customize a florist shop insurance policy made for you.

Other similar professions and businesses we also insurance include:

Floral Shop Insurance That Has Your Back

Get the protection you need to help keep your floral shop running successfully.

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