Florist Insurance

Save up to 25% on business insurance for florists.*

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Flower shop insurance could help protect you from

The costs of injuries and accidents inside your shop

A customer or a delivery driver trips and gets hurt in your store, and you’re asked to cover the expenses of their medical bills.**

Theft and vandalism costs

Your business has smashed windows, a broken door and trampled flower stock. You need help to cover costs — fast.

Damage costs from fire or extreme weather

A fire blazes your shop, a hail storm cracks your plate glass window, or a burst water pipe drenches computers and POS systems, furniture, flooring, lighting and your retail space.

Lost business income

If you need to close for repairs after a covered event, your business insurance could help cover your financial losses.

Product liability expenses

A customer claims that your large wedding arrangements harm a customer’s health or damage their property. They ask you to cover the costs and take legal action against you.

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Get flower shop insurance that’s fast, flexible and convenient

ERGO NEXT specializes in small business insurance. Florist business insurance can help protect your floral shop, your business and your employees from the cost of unexpected events.

ERGO NEXT makes it easy to:

Check prices, get covered and buy 100% online in about 10 minutes.
Manage your policy 24/7 via web or mobile app.
Pay monthly or annually and cancel anytime.
Get unlimited certificates of insurance (COI) to share proof of insurance at no extra cost.

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ERGO NEXT specializes in florist business insurance

Flower shop insurance typically includes several types of policies to help protect you, your business and your employees from different types of business risks. Your coverage may include:

General Liability insurance for florists

Protection for damage to other people's property and injuries to non-employees

General liability insurance could help with financial protection if someone other than an employee is injured at your flower shop, or if you or your employees accidentally damage someone else's property. For example, it may help if an employee accidentally damages a client's property while delivering flowers, depending on the policy.

general liability can help you pay for:

Legal fees after a covered claim

Damage to someone else's property

Medical expenses

Employment practices liability (available as an add-on)

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Commercial Auto insurance

For businesses who drive for work

Commercial auto insurance could help protect your business if you or your employees drive a car, truck, van, trailer or other vehicle for work. If you deliver flowers or transport floral arrangements, most states require commercial auto insurance for business driving. Personal auto insurance typically won't provide coverage if you use a vehicle for business purposes.

commercial auto can help you pay for:

Medical expenses

Collision repairs

Rental reimbursement

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Workers’ Compensation insurance

Required in most states for employees who suffer work-related illnesses or injuries

Workers' compensation insurance could help pay for medical expenses and lost wages if an employee is injured on the job — and it's often required if you have employees. This can be especially important for florists who hire employees to move heavy flower shipments and arrangements or work with sharp objects.

workers compensation can help you pay for:

Medical expenses and permanent injury

Lost wages and job retraining

Employer's liability in the event of legal action against you

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Commercial Property insurance

Protects your work space and its contents, including products and inventory

Commercial property insurance could help protect the storefront you own or lease to run your flower shop, including HVAC systems, doors, windows and walls. It can also help cover damages to the contents of your business after an event like a fire, theft, burglary, vandalism or storm damage. In some situations, it could cover costs for damaged fresh flowers and plants, refrigerators, display and lighting fixtures, computers and POS systems. Your business insurance may also help replace lost income if you have to temporarily close for repairs after a covered event.

commercial property can help you pay for:

Damage from fire and windstorms

Broken and damaged property from theft and vandalism

Business income interruption if you have to close temporarily

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ERGO NEXT Insurance reviews

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.

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.

Save up to 25% on flower shop insurance

Pay monthly or annually, and you can cancel at any time.

Basic

Lowest Price

Commercial Auto

Combined single limit

$85,000

General Liability

Per occurrence

$500,000

Workers’ Comp

Per accident

$100,000

Commercial Property

Per occurrence

$25,000

Pro

How much does flower shop insurance cost?

Florist insurance can be more affordable than you might think. The cost depends on several factors, including:

The size of your flower shop.
The products and services you offer, such as bouquets, wedding flowers or flower delivery.
Your business location.
Your number of employees.
Your annual revenue.
The policy limits and deductible you choose.
Your insurance claims history.

The best way to find out what you’ll pay for florist insurance is to get a free, no-obligation quote. In about 10 minutes, you can see the exact cost of customized coverage for your business.

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How can insurance for florists help your business?

You might need florist business insurance to:

Lease a commercial space. Landlords and lessors often require business insurance before you can lease a retail storefront.
Protect your shop, products and inventory. Business insurance could help protect the retail space you own or lease from things like fire, theft or vandalism. It can also cover the contents of your store, such as fresh flowers, coolers, display fixtures, POS systems and laptops and other business property if it’s damaged by a covered event.
Hire employees. Most states require workers’ comp insurance for floral businesses with employees.
Provide delivery services. If you bring flowers to weddings or other client events, commercial auto insurance may help protect your business driving.
Deal with product liability issues. If the floral arrangements you make or sell causes a severe allergic reaction or another bodily injury, or if it causes staining, water damage or another type of property damage for a client and you’re asked to cover the costs, product liability coverage may help with expenses.

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Florist insurance FAQ

If you don’t find answers to your frequently asked questions here, our licensed, U.S.-based insurance advisors are standing by to help.

Does flower shop insurance cover flower deliveries?

If you or your employees drive to deliver flowers or do any other kind of business driving, commercial auto insurance could help protect your business while those vehicles are used for work, depending on the policy.

Do florists need insurance for weddings and events?

If you deliver wedding flowers or set up centerpieces or other floral arrangements at weddings, parties or other events, business insurance could help protect your business from risks around liability and damages, depending on your policy and the coverage you choose.

Should I get business insurance for a home-based flower shop business?

Whether you run a flower shop from a retail storefront or out of your home, there are risks involved with making products, selling products, working with the public and participating in events. Your business insurance can be customized based on just the risks that your business faces and how you manage your florist business operations.

What do I need to get an insurance quote online?

It takes about 10 minutes to get a business insurance quote online with ERGO NEXT. We’ll ask a few questions about your business — like what you do, your location, how many people you employ and the vehicles you use for work. You’ll choose your options and see prices. If you like what you see, you can buy online and get a certificate of insurance (proof of insurance) on the spot.

How can I get a certificate of insurance (COI)?

Once you have an ERGO NEXT policy, you’ll have instant access to your certificate of insurance 24/7 via web or app. Log in to your account and download your COI, or have it delivered via email or text at no additional cost. Get unlimited certificates and add an additional insured as you need them. Make changes to your coverage and your COI updates automatically.

How do you file an insurance claim with ERGO NEXT?

If you’re a policyholder, simply log in to your account and file a claim. We will contact you shortly after you submit to go over the details. Our support team is standing by to help.