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Florist Insurance

Save up to 30% on business insurance
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Business insurance for flower shops has never been easier

Next Insurance streamlines florist business insurance with coverage designed for small businesses and the self-employed
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Get covered in 10 minutes and save up to 30%
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Instant proof of insurance and easy monthly payments
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Do it all 100% online or talk to a licensed U.S.-based advisor

Florist insurance designed to protect your business

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
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Florist insurance

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

It’s all about managing your risk. See the different policies available for florist shop insurance and save up to 10% when you bundle.
General Liability

General Liability

Bought by 95% of business owners like you
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.
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General Liability can help you pay for:
Medical payments
Property damage
Legal fees and judgments
Commercial Auto

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.
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Commercial Auto can help you pay for:
Medical expenses
Collision repairs
Rental reimbursement
Workers' Compensation

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.
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Workers' Compensation can help you pay for:
Medical expenses
Lost wages
Employer liability
Commercial Property

Commercial Property

For business owners who own or rent physical spaces
Commercial property insurance can help protect your business 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.
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Commercial Property can help you pay for:
Damaged equipment and inventory
Lost income
Operating expenses

Save up to 30% on florist insurance

Choose from three levels of protection to get the coverage you need
You can pay for your insurance monthly or annually and you can cancel instantly at any time.

How much does flower shop insurance cost?

Florist insurance costs vary based on the risks that your business faces, such as:

  • The types of flowers and arrangements you sell
  • Where your store is located
  • Your payroll and the kinds of jobs your employees do
  • The number and types of vehicles you use at work

Florists can save up to 30% with coverage from Next Insurance.

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Insurance cost

Flower shop insurance requirements

You might need purchase insurance for your flower shop if you:

  • Lease a commercial space. Business insurance is often a contractual requirement when you sign a lease for a retail space.
  • Hire employees. Most states require workers’ compensation when you have employees.
  • Drive for business purposes. Business-owned vehicles typically need commercial auto insurance.
  • Repair or replace property you own or rent. Protect your inventory, equipment and even the building that you lease or own.
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Frequently asked questions about business insurance

Here are some of the most common questions we get about florist insurance. If you don’t find the answers you need here, our licensed, U.S.-based insurance advisors are standing by to help via online chat or phone.

How does business insurance protect florists?

Our florist business insurance packages are designed to protect your business from a variety of risks and help you save money to grow your business. You’ll be protected from financial losses related to:

Damage to someone’s property

A floral arrangement you setup stains expensive drapes at a wedding venue. The general liability coverage in your insurance package would help pay for a replacement.

Accidents that hurt someone

A shelf displaying floral arrangements falls over and injures a customer. Your general liability coverage would also come into play here by helping to pay for medical costs and legal fees.

Workplace injuries 

An employee slips on a wet floor and breaks their wrist. Workers’ compensation coverage can help cover medical bills and lost wages — not to mention it’s usually required by law if you have employees. 

Injuries and damage involving your business vehicles

Your flower delivery van slides on a black ice and hits a parked car. Commercial auto coverage will help pay for the repairs. This coverage is also usually required by law for business-owned vehicles. 

Damage to your own property

A plumbing issue causes water damage in your floral shop. Commercial property insurance can help with replacement or repair costs if your owned or leased property is damaged due to a covered event, such as a burst water pipe, fire, tornado or vandalism.   

What do I need to get an insurance quote online?

We keep it simple and straightforward so you can find the coverage that’s right for you within a few minutes. When you start a quote for insurance, we’ll ask you a few basic questions about your business, including: the kind of services you provide, the location of your office or where you plan to work, how many people you employ and how much you pay them and the number and type of vehicles you use for work.

How can I get a certificate of insurance?

You’ll have instant access to your certificate of insurance 24/7 from your computer or mobile device when you purchase coverage with Next. There’s no waiting for anyone, no need to print anything and definitely no fax machines. If you’re a new or current Next Insurance customer, all you need to do is login to your account and your Live Certificate delivers you the proof of insurance you need instantly, for free. You can easily share your COI with anyone via email, text message or a social media post. We provide unlimited certificates and you can also add an additional insured for free. If you decide to change your coverage, your certificate will be automatically updated. Find out more details about your certificate of insurance

How does the claims process work with Next Insurance?

You can file a claim in a few steps, either online or over the phone. Call us as soon as an incident occurs at (855) 222-5919 to report what happened. One of our claims specialists will ask for details, so please be ready to tell us: the name your policy is under so we can find the right ones, where the incident happened, what the injured person was doing at the time and the type of injury sustained and details and contact information for everyone who was involved. A claim is created after you report this information and a claims advocate will be assigned to investigate your case to decide if it should be approved or denied. We strive to make claims decisions as quickly as possible so you can get back to focusing on your business. Check out our claims page for more details.