Florist Insurance

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

Choose your primary coverage to get started:

Business Owner’s Policy

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Workers’ Compensation

General Liability

Commercial Property

Other Coverages

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Rated 4.7/5

(5056 reviews)

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

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.

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.

You can save up to 25% in discounts on florist insurance

You can pay for your insurance monthly or annually and you can cancel instantly 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 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 25% in discounts on business insurance with coverage from NEXT Insurance.

Learn more about florist insurance costs and coverage.

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.

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 can 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 could help pay for a replacement.**

Accidents that hurt someone

A shelf displaying floral arrangements falls over and injures a customer. Your general liability coverage could 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 can 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?

It takes about 10 minutes to get a business insurance quote online with 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 a NEXT policy, you’ll have 24/7 access to proof of your insurance (also called a certificate of insurance, or COI) via web or app. Log in to your account, download your COI instantly or deliver it via email or text at no additional cost. Get unlimited certificates and add an additional insured as you need them.

How do you file an insurance claim with NEXT?

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

Next Insurance, small business insurance

Coverage on-the-go for policyholders

Manage your policies, send and create certificates of insurance, or file a claim with our app.

More professions that are covered by NEXT

Amazon Seller, Arts and Crafts Store, Bike Shop, Bookstore, Candle Store, Candy Store, Clothing Store, Convenience Store, E-commerce, Electronics Store, Fabric Store, Florist, Furniture Store, Hardware Store, Jewelry Store, Laundromat, Luggage Store, Medical Supplies Store, Pawn Shop, Retail Store, Toy Store

* To the extent permitted by law, applicants are individually underwritten, not all applicants may qualify. Individual rates and savings vary and are subject to change. Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only.