Florist insurance
One application, multiple quotes.
All in one place.
Essential Protection
From
$34
/month*
Could help cover incidents like a customer slipping on a wet floor, or damage to your equipment from a fire.
What’s included:
Business Owner’s Policy
Coverage limits: up to $1M†
Get multiple quotes in less than 10 mins
Essential Protection
From
$34
/month*
Could help cover incidents like a customer slipping on a wet floor, or damage to your equipment from a fire.
What’s included:
Business Owner’s Policy
Coverage limits: up to $1M†
Get multiple quotes in less than 10 mins
Would you rather pick and choose your coverage? Explore all options
Over 1 million customers worldwide.
Buy instantly online.
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Why Do I Need Florist Insurance?
Stopping and smelling the roses isn’t just a concept to you — it’s a way of life. As a florist, you bring color and joy to your clients’ events, as well as help customers let their loved ones know they’re thinking of them. Running your business isn’t all buttercups and baby’s breath, though. You’ve worked hard to grow your shop, and it needs to be protected.
Below are some of the most common types of insurance policies that florists carry to stay protected.
What Type of Plumber Insurance Do I Need?
Business Owner’s Policy (BOP)
General liability, property insurance, and more all in one convenient package.
From
$34
/month*
General Liability
A foundational insurance coverage to help handle costs from third-party accidents, property damage, and bodily injury.
From
$20.75
/month*
From
$25.83
/month*
Workers’ Comp
Coverage to help take care of employees who get sick or injured on the job. Most states require this coverage for small businesses with full- or part-time employees. It also can benefit business owners who don’t have employees.
From
$38.91
/month*
Business insurance —
a quick explainer
Learn more about policies for small businesses, what they cover, why you might need them, and how we can help – all in just 60 seconds.
Business insurance is often made up of different types of policies to cover different things, similar to how your health insurance can be made up of medical dental and vision coverage. Here are some of the ones small business owners need. General liability is kind of the Swiss army knife of insurance. It can do a lot, like help handle costs from third party accidents, property damage, bodily injury, and more. Nobody’s perfect, right? That’s what professional liability is for. It could come in handy in the event of honest mistakes or claims of negligence. Workers’ comp can protect your business and help take care of employees who get sick or injured on the job. Small businesses are big targets for cyber criminals. Cyber Insurance can help cover costs associated with stolen customer data, cyber attacks, breaches, and fraud. BOP or a business owners policy combines different types of coverages like general liability and commercial property insurance. Putting them together for you is where we come in. You tell us a bit about your business online or on the phone, and we customize the coverage options for what you do and what you need. It’s your business, it should be your insurance as well. That’s why we’re here.
What Types of Florist Insurance Do I Need?
If you know flowers from azaleas to zinnias but aren’t sure how to make sense of policies and premiums, you’re not alone. Fortunately, business owners don’t need to study insurance to get a policy that fits their needs. Here’s a primer on the three main insurance policies you may need to bundle into your overall florist insurance.
General Liability Insurance
If you’re looking for a policy that works in various scenarios, such as a white rose in a wedding bouquet, then you’ll want general liability insurance. These policies cover third-party bodily injury, property damage, and other third-party accidents. “Third-party” accidents can refer to your clients or vendors.
So, what mishaps could a florist encounter? Imagine you’ve just received a shipment of flowers and are working on reorganizing your store. A customer comes into the shop, and as they’re browsing, they trip over a rug and break their arm.
The customer could sue you for their medical bills and time off from their job, and as the business owner, you’d have to pay for those claims. Without insurance, damages and legal fees will come out of your bank account. However, florist business insurance could help cover the cost of the medical bills. The average claim for customer damage or accidents in small businesses is $30,000, which means having coverage can save you from a hefty bill down the road.
So what does general liability insurance usually cover in your florist business? Here’s a recap:
- Third-party property damage (aka clients or vendors)
- Bodily injury
- Medical expenses
- Personal and advertising injury
- And more
General liability insurance does not cover:
- Personal property damage
- Professional services
- Employee injury and workers compensation
- Damage to your work
- Motor vehicles during business use
- Intentional injury or damage
- And more
Professional Liability Insurance
It’s amazing how something as small as a flower can have such a significant impact on someone’s day. While that means you’re in the business of spreading joy, it also means you may have to handle unhappy customers. Professional liability insurance can help protect your business from negligence claims. This type of policy covers if a client claims that you, your employees, or your business were negligent in providing your services.
Anyone can make a mistake, and unfortunately, it can lead to bigger business issues. For example, imagine you’ve been hired to supply flower arrangements for an upcoming wedding, and you mark it in your calendar. However, you inadvertently marked the wrong date, and the flowers won’t be ready for the event.
Your client is upset, and they may even sue you. Without professional liability insurance for your floral shop, you’d have to pay legal fees for your defense and damages to your client. If you had professional liability coverage, though, the scenario would unfold differently. Your insurance could help you pay costs up to your policy limit, and your business bank account could be spared.
Let’s review the scenarios that professional liability insurance typically covers:
- Legal defense costs
- Omissions or alleged omissions
- Negligence or alleged negligence
- Claims and damages
- And more
Having professional liability insurance does not usually protect you from:
- Property damage
- Intentional acts and omissions
- Bodily injury
- Medical expenses
- And more
Workers Compensation Insurance
The other type of insurance available to florists is workers compensation insurance. This type of policy covers medical bills, lost wages, and legal costs associated with an employee who gets sick or hurt on the job. While business insurance laws vary between states, it’s likely that if you have employees, you’ll be required to have workers comp coverage.
Every type of business has potential unexpected dangers for employees. The average cost of a workers comp claim is $40,051, and a slip or fall averages at over $46,000. With prices like these, it’s easy to see the benefits of carrying a workers comp policy.
Workers compensation insurance for florists may cover:
- Medical payments
- Lost wages
- Rehabilitation expenses
- Death benefits
Why Should You Get a Flower Shop Insurance Policy?
Running a business takes creativity, perseverance, and hard work. You’ve already made it this far, and investing in florist insurance can help ensure you’re in business for many years to come. While you work hard to provide the best service for your community, there are no guarantees in business. Forty-three percent of small business owners have reported being threatened with or involved in a civil lawsuit.
Perhaps the harshest reality is that you don’t even have to do something wrong to be hit with a negligence case. A single disgruntled customer could sue you, and even if you prove you weren’t negligent, you’ll likely have to pay legal fees. If an accident happens, it could cause a serious setback in your finances.
The average claims small business owners can be are exposed to include:
- $30,000 for property damage or accident claims
- $39,000 for work injury claims
- $50,000 for reputational harm claims (e.g., slander or libel)
- $20,000 for a customer slip-and-fall case
Having florist insurance could mean the difference between an accident being a thorn in your side and the cause of bankruptcy. It’s understandable if you’re unsure about adding a monthly expense. The good news is that each policy is customized for your business, which means you won’t be overpaying for unnecessary coverage. Factors such as your location, business size, and employee status all factor into your monthly premiums.
Now for some encouraging news — insurance is useful on your good days, too. Having proof of coverage comes with advantages, including being able to:
- Rent out a room or space for your business
- Convince other people to work with you
- Earn a client’s confidence
- And more!
You can request a certificate of insurance (COI) when you purchase your policy through Simply Business, which you can use to provide proof of cove
What Does Florist Insurance Cost
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Answers to More Florist Insurance Coverage Questions
While we always recommend general liability and professional liability insurance for florists, your state may not require it. If you have employees, you’ll likely need workers comp coverage, as most states require it.
Business owners can usually deduct insurance premiums from their income tax. However, we always recommend that you talk to an accountant about your state’s laws.
The amount of coverage you select can rely a lot on your specific business, so it’s tough to give an exact answer that can apply to every florist. The level of coverages that’s right for your business depends on:
- The size of your business
- Your business’s location
- Your annual revenue
- And more
Our quote process takes all of this into consideration to provide the recommended coverage. One of our licensed agents will be happy to assist you if you have additional questions.
It takes only a few minutes to get your free insurance quotes, but having some information on hand makes the process even easier. Here’s the information we recommend you have to get started:
- Annual revenue estimates
- Payroll estimates
- Information on any previous claims
Each state sets its own requirements for business insurance. You don’t need to know your state’s laws to get started, though.
A comprehensive insurance product — one that includes general liability, professional liability, and workers compensation — can cover:
- Bodily injury
- Accidents and damages
- Employee injuries
- Unintentional mistakes
- And more
Your quote is determined based on your business and needs, so prices vary, even among florists. Your premiums depend on the services you provide and if you have employees, as well as:
- Payroll estimates
- The location of your business
- The specific services you offer
- And more
Want to see how much your insurance may cost? Just answer a few questions here to get free quotes and compare policy prices.
Why Small Businesses Choose Simply Business
Small business insurance is what we do. Whether it’s covering you for accidents and errors, meeting workers’ comp requirements, or financially protecting your business from the unexpected, we can help find the coverage you need for your business.
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I went online, looked around, and found Simply Business. The process was so seamless. I got my certificate within minutes. It was just phenomenal.
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With Simply Business I know I can look at different carriers, but also see all my stuff in the same place… a lot of [insurance] providers don’t offer a variety of coverage, all in one place.
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Owner of Room to Breathe Professional Organizing
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*The displayed price for each product is a monthly estimate calculated from the 10th percentile of relevant policies sold by Simply Business (e.g., General Liability data is used for General Liability estimates). This estimate uses data from relevant policy sales between July–December 2025. Final price and payment terms, which may include an initial down payment, are subject to change based on your state, selected insurance provider, and specific business details.
† Limits may vary by state and nature of your business.
‡ Displayed price is based on the lowest available coverage limit for Equipment and Small Tools policies.