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Florist Insurance

Affordable Protection for Your Florist Services

Simply Business is pleased to provide tailored insurance options from:

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Florist Insurance That’s Made Just for You

As a florist, you know the perfect arrangement for every occasion: whether it’s a celebration, a message of condolences, or a simple “thank you,” you have an eye for floral design and sending the appropriate message. While you work hard at creating beautiful flower bouquets, you don’t want to be worried about your business being protected.

This is where we step in.

At Simply Business, we can help you find a flower shop insurance policy that’s as unique as your business. This coverage can help protect you from common risks, so you can continue delivering great work for your customers.

What Insurance Do Florists Need?

Running a flower shop means you’re getting your hands dirty every day and work in a busy environment. Due to your line of work, it’s easy for property damage to occur or bodily injury. If something happens to your fresh flowers, your production schedule might be delayed. If a customer gets hurt while visiting your business, you could be exposed to lawsuits and medical claims.

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General Liability Insurance for Florists

General liability insurance — also known as commercial general liability (CGL) insurance — covers costs associated with third-party accidents, property damage, and bodily injury.

You’ll often have customers visiting your store. As flowers can get messy and need to be watered frequently, there could be some water on the floor that a customer slips on, resulting in injury. General liability insurance would help cover the medical bills for that customer.

General liability usually covers:

  • Bodily injury
  • Third-party property damage
  • Personal and advertising injury
  • Medical expenses
  • And more

General liability insurance usually does not cover:

  • Damage to your own property
  • Professional services
  • Workers compensation or injury to your employees
  • Damage to your work
  • Expected or intentional injury or damage
  • And more

Learn more about General Liability Insurance.

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Professional Liability Insurance for Florists

Professional Liability insurance is a type of policy that provides coverage in the event a customer alleges negligence from your professional services. If your customer decides to sue your business for mistakes related to your florist services, your professional liability insurance policy may cover damages and legal costs that you might be ordered to pay due to negligence.

If, for example, you misinform your customer on how to care for the floral arrangement, or you don’t deliver what they thought they had ordered, you could be looking at a lawsuit for alleged negligence. Professional liability would help cover the cost of the lawsuit.

Professional liability insurance usually covers:

  • Negligence or alleged negligence
  • Legal defense costs
  • Claims involving libel and/or slander
  • Copyright infringement
  • Claims and damages
  • And more

Professional liability insurance usually does not cover:

  • Intentional negligence
  • Bodily injury
  • Property damage
  • False advertising
  • Employment matters
  • Patents and trade secrets
  • And more

Learn more about Professional Liability Insurance.

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Workers Compensation Insurance for Florists

It’s common for flower shop owners to hire employees. Whether it’s a part-time, full-time, or subcontractor individual, if an employee gets sick or injured while working for you, workers compensation - also known as employers liability insurance - can provide your business with financial protection. Most states require businesses to carry this policy when you hire your first employee, so be sure to add it to your coverage if you have a team.

Coverages include:

  • Medical Payments
  • Lost Wages
  • Rehabilitation expenses
  • Death Benefits

Here’s how workers compensation insurance works: If an employee gets injured on the job, this insurance can cover medical costs and lost wages.

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How Much Does Insurance for Florists Cost?

While there’s no single answer for how much insurance costs for florists, you can get an estimate for what you may pay based on:

  • Your revenue
  • Your payroll
  • Your business location
  • The type of services you provide
  • And more

Want to find out how much your florist business insurance may cost?

Click here to answer a few questions so we can help you learn how much you can expect to pay for your florist insurance coverage.

© Copyright 2020 Simply Business. All Rights Reserved. Simply Business, Inc. is a licensed insurance producer in all U.S. States and the District of Columbia. Please be advised that insurance coverage cannot be added, deleted or otherwise changed until it is confirmed in writing by Simply Business or your insurance carrier. Simply Business has its registered office at Simply Business, 1 Beacon Street, 15th Floor, Boston, MA, 02108. In the state of California, we operate under the name Simply Business Insurance Agency, Inc., License #0M20593. In the state of New York we operate under the name Simply Business Insurance Agency. In the state of Texas we operate under the name, U.S. Simply Business, Inc. For more information, please refer to our Privacy Policy and Terms & Conditions.