Florist Insurance
Cost & Coverage Guide
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Florist Insurance
A broken cooler, a slippery shop floor, a flower arrangement that arrives damaged — florist insurance can help protect your business from common risks so one mishap doesn’t wilt your day or your bottom line.
This guide will break down the essential insurance coverages for florists, what they typically cost, and how you can get the right protection for your business. We’ve got you covered.
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What is Florist Insurance?
Florist insurance is a suite of policies designed to help protect your business from the financial fallout of customer or employee injuries, property damage, business interruption, and claims of negligence. Without the right coverage, you could be on the hook for equipment repairs, legal fees, or medical bills — setbacks that can hit especially hard during peak event season.
How Much Does Florist Insurance Cost?
Florist shop insurance rates vary, and your final premium will depend on factors such as your location, number of employees, the details of your specific business, and your claims history.
Here is a breakdown of median costs¹ based on our recent customer data.
Insurance Policy
Median Monthly Cost
Median Annual Cost
General Liability
$25
$300
BOP
$50
$600
Professional Liability
$39
$468
Workers’ Compensation
$101
$1,212
1Data from Simply Business customers specializing as “florists” who purchased at least one or a combination of BOP, general liability, professional liability, and workers’ compensation policies from July 1, 2025 to December 31, 2025. The median costs shown are for illustrative purposes only; actual premiums vary by state, coverage limits, and individual business risk.
What Insurance Does a Florist Need?
General Liability
Foundational insurance coverage for a florist business to help handle costs from third-party accidents, property damage, and bodily injury.
Median Cost:
$25/month
Why You Need It:
A customer comes into your flower shop, and as they’re browsing, they trip over a rug and break their arm. A general liability policy could help cover the cost of their medical bills and protect you from other third-party damage claims.
BOP
A Business Owner’s Policy (BOP) bundles three key coverages — general liability, commercial property, and business interruption insurance — into one convenient package. It’s designed to help protect your business from a range of common risks without the hassle and expense of managing multiple policies.
Median Cost:
$50/month
Why You Need It:
Your floral cooler fails overnight, ruining inventory and forcing you to pause orders while you replace equipment. A BOP can help cover the loss and the income you miss while you get back up and running. Many owners choose a BOP because it offers more protection than a stand-alone general liability policy without costing much more.
Professional Liability
Coverage for damages and legal costs for mistakes or negligence claims.
Median Cost:
$39/month
Why You Need It:
You deliver the wrong flowers for a wedding, and the event planner says they had to pay for last-minute replacements. Professional liability can help cover legal costs and damages if you’re held responsible.
Workers’ Compensation
If you have employees, most states require you to carry workers’ compensation. This policy covers medical bills and lost wages for employees who get injured or become ill on the job.
Median Cost:
$101/month
Why You Need It:
An employee cuts their hand while processing stems and needs stitches and time off. Workers’ comp can help cover medical care and a portion of lost wages while they recover.
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Frequently Asked Questions (FAQs)
Do I need business insurance if I run a floral business from my home?
Homeowners’ insurance usually won’t cover business-related claims such as a customer and staff injuries, equipment repair, or damage to inventory. Business insurance can help fill those gaps.
Is insurance required for freelance wedding and event florists?
Many venues require proof of insurance before you can set up onsite. Even when it isn’t required, the right coverage can protect you if someone gets hurt, property is damaged, or a client claims your work caused a financial loss.
Does my insurance cover flower spoilage if my refrigerator or cooler breaks?
Some commercial property coverage can include spoilage caused by refrigeration breakdown. If spoilage is a risk, ask about coverage that specifically addresses perishable inventory.
What is the difference between General Liability and Professional Liability for florists?
General liability insurance covers third-party accidents, such as a customer tripping in your shop or if you accidentally knock over an expensive vase at a venue. Professional liability insurance covers “service” mistakes — for example, providing the wrong flowers for a high-profile wedding or missing a delivery deadline and a client sues you for the financial loss of their event.
Are my flower arrangements covered if they are damaged during delivery?
Standard property insurance usually only covers items while they are at your shop. To protect your arrangements while they’re in a van or being set up at a venue, you’ll likely need inland marine coverage.
Is florist insurance tax-deductible?
Yes, it can be — insurance premiums are usually considered abusiness expense. But always check with your accountant and your specific state for certain.
What are the main factors affecting my florist insurance price?
As with most types of insurance, flower shop insurance rates will depend on a number of factors, such as:
- Your business location
- Your type of business
- The services you provide
- The number of employees you have
- Your estimated revenue, payroll, and sales
- And more
How can I lower my florist insurance cost without losing coverage?
A few ways to keep strong protection while trimming costs include:
- Bundle smartly: A BOP can be more cost-effective than buying general liability and property insurance separately.
- Right-size your limits: Make sure your limits match your real exposure and budget.
- Reduce preventable claims: Slip-and-fall prevention, staff training, and good maintenance can pay off over time.
- Keep your info current: Accurate payroll, sales, and equipment values help avoid overpaying.
- Compare options: We provide customized coverage recommendations and florist insurance quotes from top-rated small business insurers so you can see them side by side.
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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 January–June 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.