Florist Insurance

You can save up to 25% in discounts on business insurance.*

Choose your primary coverage to get started:

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Florist insurance can help protect you from:

Theft

Your business is burglarized overnight and inventory was stolen. You need to replace it — fast.

Product liability

A customer claims a sweater you sold was treated with a chemical that caused an allergic reaction.

Advertising injury

A competitor sues you claiming that you copied the “look and feel” of their product listing.

Cyber

Criminals hack your store’s site, and now your customers’ payment information is compromised.

Florist insurance designed to protect your business

ERGO NEXT Insurance is a one-stop shop to help you get the flower shop insurance you need to protect your business from accidents, injuries, legal fees and damaged vehicles. Our insurance packages typically include:

General liability
Commercial auto
Workers’ compensation
Commercial property

We’ll help you get the florist business insurance coverage you need

It’s all about managing your risk. See the different policies available for flower shop insurance and save up to 10% when you bundle two or more of our policies.

General Liability

Protection for the injuries, accidents and damage you cause

General liability insurance is a type of florist professional insurance that covers a wide range of florist accidents and basic risks. You’ll have financial protection if someone other than an employee gets hurt or you are held responsible for damaging property that doesn’t belong to you.

general liability can help you pay for:

Medical payments

Property damage

Legal fees and judgments

Commercial Auto

For business owners who own or drive vehicles

Most states require commercial auto insurance for business-owned vehicles to help pay for medical expenses and property damage. Personal auto insurance usually won’t provide coverage if you drive a vehicle for business purposes, including delivering flowers or traveling to events.

commercial auto can help you pay for:

Medical expenses

Collision repairs

Rental reimbursement

Workers' Compensation

For business owners who hire employees

Workers’ compensation insurance can help pay for medical care and lost wages after a workplace injury. It’s almost always required if you have employees. Choose business owner’s coverage with your policy to protect yourself.

workers compensation can help you pay for:

Medical expenses

Lost wages

Employer liability

Commercial Property

For business owners who own or rent physical spaces

Commercial property insurance can help protect your flower shop equipment, inventory and even the building itself if you own it. If your business property is damaged due to a covered event, such as a burst water pipe or fire, property insurance can help with replacement costs or repairs as well as the loss of business income while you get back up and running.

commercial property can help you pay for:

Damaged equipment and inventory

Lost income

Operating expenses

What customers say about us

Great service

My agent was super nice he helped me finding what my business need in a very short time.

ELVIA M.

Good so far

Harold W.

Great customer service

Katharine G.

I am very pleased to

I am very pleased to say that my insurance experience with my insurance broker Daniel went wonderful. Daniel is very courteous, professional and set me up with my insurance extreme...

Joseph L.

SERVICE WAS PROMPT AND EASY..AFFORDABLE..GREAT

SERVICE WAS PROMPT AND EASY..AFFORDABLE..GREAT EXPERIENCE AND VERY HELPFUL FROM INITIAL CONTACT

Rosalyn F.

The easiest way to get insured fast

They have such an easy online system to get you what you need! I don't have time to be on the phone for hours trying to find quotes or waiting to get then back!

Ana C.