Florist insurance averages $38 to $61 monthly, depending on coverage type and business needs in your area.
Get matched with cheap florist business insurance below.
Updated: November 9, 2025
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Florist business insurance costs between $628 and $841 annually on average, varying by your coverage needs, location and specific business type.
Your florist insurance rates depend on where you operate, past claims, services and how many employees work for you.
Shop multiple business insurers, combine policies, raise your deductibles and pay yearly to reduce your florist insurance expenses.
We found average business insurance costs for florist companies for commonly needed coverage are as follows:
| BOP | $59 | $713 |
| General Liability | $43 | $517 |
| Professional Liability (E&O) | $38 | $453 |
| Workers' Comp | $61 | $734 |
Note: We based these rates on small businesses with two employees across 79 major industries, focusing on four coverage types: general liability, professional liability/errors and omissions (E&O), workers' comp and business owner's policy. Your actual rates will vary based on your specific business factors and location.
Select your industry and state to get a customized quote.
Your florist business's cost for general liability insurance varies dramatically by state. Maine leads with affordable $37 monthly rates, beating the $43 national average, while New York reaches $50 monthly for comparable coverage.
| Alabama | $42 | $507 |
| Alaska | $39 | $464 |
| Arizona | $41 | $490 |
| Arkansas | $41 | $495 |
| California | $48 | $575 |
| Colorado | $43 | $512 |
| Connecticut | $47 | $561 |
| Delaware | $46 | $556 |
| Florida | $47 | $559 |
| Georgia | $44 | $524 |
| Hawaii | $46 | $555 |
| Idaho | $41 | $489 |
| Illinois | $47 | $567 |
| Indiana | $42 | $504 |
| Iowa | $41 | $492 |
| Kansas | $42 | $501 |
| Kentucky | $40 | $480 |
| Louisiana | $50 | $600 |
| Maine | $37 | $448 |
| Maryland | $41 | $493 |
| Massachusetts | $45 | $541 |
| Michigan | $41 | $489 |
| Minnesota | $40 | $484 |
| Mississippi | $43 | $519 |
| Missouri | $43 | $511 |
| Montana | $43 | $514 |
| Nebraska | $41 | $488 |
| Nevada | $49 | $586 |
| New Hampshire | $43 | $513 |
| New Jersey | $49 | $585 |
| New Mexico | $43 | $519 |
| New York | $50 | $600 |
| North Carolina | $37 | $448 |
| North Dakota | $37 | $449 |
| Ohio | $40 | $479 |
| Oklahoma | $41 | $497 |
| Oregon | $40 | $480 |
| Pennsylvania | $50 | $595 |
| Rhode Island | $47 | $567 |
| South Carolina | $44 | $532 |
| South Dakota | $40 | $483 |
| Tennessee | $42 | $504 |
| Texas | $43 | $521 |
| Utah | $41 | $492 |
| Vermont | $41 | $496 |
| Virginia | $39 | $470 |
| Washington | $49 | $587 |
| West Virginia | $45 | $541 |
| Wisconsin | $42 | $507 |
| Wyoming | $40 | $477 |
Note: We based these general liability rates on florist businesses with two employees across different states. Your rates will vary based on your location, claims history and the services you offer.
Your Florist business will have different workers' compensation insurance rates depending on your state. New York has the highest monthly rates at $71, while North Carolina has the lowest at $52 monthly.
| Alabama | $61 |
| Alaska | $56 |
| Arizona | $59 |
| Arkansas | $58 |
| California | $69 |
| Colorado | $60 |
| Connecticut | $67 |
| Delaware | $66 |
| Florida | $66 |
| Georgia | $62 |
| Hawaii | $64 |
| Idaho | $58 |
| Illinois | $67 |
| Indiana | $59 |
| Iowa | $58 |
| Kansas | $59 |
| Kentucky | $57 |
| Louisiana | $69 |
| Maine | $53 |
| Maryland | $59 |
| Massachusetts | $64 |
| Michigan | $58 |
| Minnesota | $58 |
| Mississippi | $61 |
| Missouri | $60 |
| Montana | $61 |
| Nebraska | $58 |
| Nevada | $69 |
| New Hampshire | $60 |
| New Jersey | $69 |
| New Mexico | $61 |
| New York | $71 |
| North Carolina | $52 |
| Oklahoma | $57 |
| Oregon | $57 |
| Pennsylvania | $71 |
| Rhode Island | $67 |
| South Carolina | $63 |
| South Dakota | $57 |
| Tennessee | $60 |
| Texas | $62 |
| Utah | $59 |
| Vermont | $58 |
| Virginia | $55 |
| West Virginia | $64 |
| Wisconsin | $60 |
Note: We based these workers' comp rates on florist businesses with two employees across different states. Your workers' comp requirements and costs will vary by state since each has different regulations.
Your professional liability cost will vary by state. Nationwide, businesses pay an average of $38 monthly for this coverage. North Carolina offers the most affordable rates at $32 monthly, while Nevada ranks highest at $44 monthly.
| Alabama | $37 |
| Alaska | $35 |
| Arizona | $36 |
| Arkansas | $36 |
| California | $42 |
| Colorado | $37 |
| Connecticut | $41 |
| Delaware | $40 |
| Florida | $41 |
| Georgia | $39 |
| Hawaii | $38 |
| Idaho | $36 |
| Illinois | $41 |
| Indiana | $37 |
| Iowa | $37 |
| Kansas | $37 |
| Kentucky | $35 |
| Louisiana | $42 |
| Maine | $33 |
| Maryland | $36 |
| Massachusetts | $40 |
| Michigan | $36 |
| Minnesota | $35 |
| Mississippi | $37 |
| Missouri | $37 |
| Montana | $38 |
| Nebraska | $35 |
| Nevada | $44 |
| New Hampshire | $38 |
| New Jersey | $43 |
| New Mexico | $38 |
| New York | $44 |
| North Carolina | $32 |
| North Dakota | $33 |
| Ohio | $35 |
| Oklahoma | $36 |
| Oregon | $35 |
| Pennsylvania | $44 |
| Rhode Island | $42 |
| South Carolina | $39 |
| South Dakota | $35 |
| Tennessee | $38 |
| Texas | $38 |
| Utah | $36 |
| Vermont | $36 |
| Virginia | $34 |
| Washington | $43 |
| West Virginia | $40 |
| Wisconsin | $37 |
| Wyoming | $35 |
Note: We based these professional liability rates on florist businesses with two employees across different states. Your actual rates will depend on your services offered and location.
BOP insurance cost ranges from $51 in Alaska to $70 in New York for the same coverage. This $19 monthly difference means Alaska florists pay $607 annually while New York florists pay $841 for identical protection.
| Alabama | $58 |
| Alaska | $51 |
| Arizona | $56 |
| Arkansas | $57 |
| California | $66 |
| Colorado | $59 |
| Connecticut | $65 |
| Delaware | $64 |
| Florida | $64 |
| Georgia | $62 |
| Hawaii | $60 |
| Idaho | $58 |
| Illinois | $65 |
| Indiana | $59 |
| Iowa | $58 |
| Kansas | $58 |
| Kentucky | $56 |
| Louisiana | $67 |
| Maine | $52 |
| Maryland | $57 |
| Massachusetts | $63 |
| Michigan | $55 |
| Minnesota | $56 |
| Mississippi | $59 |
| Missouri | $60 |
| Montana | $58 |
| Nebraska | $56 |
| Nevada | $67 |
| New Hampshire | $58 |
| New Jersey | $67 |
| New Mexico | $60 |
| New York | $70 |
| North Carolina | $51 |
| North Dakota | $52 |
| Ohio | $54 |
| Oklahoma | $57 |
| Oregon | $55 |
| Pennsylvania | $70 |
| Rhode Island | $66 |
| South Carolina | $60 |
| South Dakota | $55 |
| Tennessee | $59 |
| Texas | $60 |
| Utah | $57 |
| Vermont | $57 |
| Virginia | $54 |
| Washington | $67 |
| West Virginia | $61 |
| Wisconsin | $59 |
| Wyoming | $55 |
Note: We based these BOP rates on florist businesses with two employees across different states. Your actual rates will vary based on your business size, location, and coverage needs.
Florist business insurance costs $43 to $60 monthly across providers. Providers differ in market focus and risk assessment strategies based on their risk models and market priorities.
| Chubb | $59 | $703 |
| Coverdash | $50 | $603 |
| Hiscox | $60 | $720 |
| NEXT Insurance | $45 | $541 |
| Nationwide | $49 | $587 |
| Progressive Commercial | $53 | $634 |
| Simply Business | $43 | $513 |
| The Hartford | $45 | $534 |
| Thimble | $45 | $545 |
| biBERK | $53 | $638 |
Your florist business insurance cost depends on several factors insurers evaluate when pricing your policy:
Your shop's location influences premiums through local crime rates and weather patterns that affect inventory losses. Florists in hurricane zones or areas with frequent freeze events face higher costs due to perishable stock risks.
Past insurance claims directly impact your renewal rates for three to five years. Water damage incidents from cooler malfunctions or delivery vehicle accidents can raise what you pay.
Fresh flowers and plants represent high-value perishable inventory requiring climate control. Shops maintaining larger cooler systems and expensive exotic blooms pay more than businesses focusing on simpler arrangements.
Shops with multiple designers and delivery staff pay more in workers' comp than single-owner operations. Adding team members increases payroll expenses, which directly raises your insurance premiums.
Providing wedding and corporate event florals increases liability exposure at off-site venues. Florists offering installation services at receptions or conferences need broader coverage than counter-sales operations.
Higher annual sales mean more customer interactions and potential liability claims. A boutique florist processing $100,000 yearly pays considerably less than a shop generating $500,000 in wedding and event contracts.
The maximum your policy will pay out determines your monthly cost. Selecting $2 million in general liability versus $1 million means better protection when something goes wrong, but you'll pay more upfront.
Commercial refrigeration units, display cases and delivery vans drive up your insurance costs. Shops with walk-in coolers and specialized vehicles pay higher premiums than businesses using basic refrigeration and no company cars.
Insurers in many states check your credit when setting rates, linking financial responsibility to risk. Strong credit can trim your premium, while poor credit might add 30% or more to your bill.
Cutting your florist business insurance costs takes a thoughtful approach and smart planning. Our step-by-step guide walks you through how to find cheap business insurance for your flower shop while improving your risk profile and keeping your coverage affordable over time.
Florists need general liability for customer injuries, product liability for allergic reactions or illness from toxic plants, and property insurance for your coolers, inventory, and design equipment.
Insurance premiums vary based on whether you operate a retail shop, event-focused business, or wholesale operation supplying other florists. Get quotes from several insurers.
A business owner's policy combining general liability, property and business interruption saves 15% to 22% compared to separate policies.
Higher deductibles of $1,000 to $2,500 on property coverage can reduce premiums by 18% to 28%, but consider your inventory turnover carefully.
Monthly payment plans add 5% to 9% in administrative charges. Annual payment removes these fees and often earns a 6% to 8% discount for paying upfront.
Review your policy whenever you expand into event design, add delivery vehicles, or increase your cooler capacity and inventory levels.
Florist business insurance costs between $52 and $70 per month, but your actual premium will vary based on factors like location, business size, and claims history. You can often save money by comparing quotes from multiple insurers, bundling your policies, choosing higher deductibles, and paying annually rather than monthly.
Florist business owners commonly ask about insurance costs. We answered the most frequent questions below:
Professional liability (E&O) is the most affordable at $38 monthly, but it only covers errors in professional services. Most florist businesses need general liability coverage ($43 monthly) since it protects against customer injuries and property damage lawsuits.
You'll pay more in these states. General liability in California runs $48 monthly (versus $43 national average), and BOP costs $66 monthly (versus $59 average). New York is similar at $50 and $70, respectively.
Combining multiple policies with one insurer delivers greater savings than purchasing coverage separately. Most carriers provide discounts when you bundle general liability, commercial property and commercial auto insurance together.
Multiple factors increase premiums: storing valuable inventory like flowers and plants, using refrigeration equipment, operating delivery vehicles, handling chemicals and pesticides, managing seasonal cash flow fluctuations and maintaining proper storage temperatures.
Higher deductibles reduce monthly premiums but increase out-of-pocket costs during claims. Consider your business's financial reserves and expected claim frequency when deciding.
Workers' compensation costs for florist businesses vary by state, spanning from $52 monthly in North Carolina to $71 monthly in New York for coverage.
Yes, BOP insurance is worth it for florist companies. BOP costs $59 monthly and bundles general liability, commercial property and business interruption coverage. This bundled approach saves money compared to purchasing separate policies while offering greater convenience for florist businesses.
Shop annually when your policy renews. Compare quotes from at least three insurers to find savings, especially after adding employees or expanding your service offerings.
Florist businesses face unique insurance challenges from perishable inventory that can spoil during power outages, delivery vehicle accidents, and liability risks when flowers cause allergic reactions or damage client property during events. We built this analysis to show you what coverage actually costs based on real business profiles, so you can budget accurately and find insurers who understand florist industry risks.
We collected florist business insurance quotes from companies across different states using a standardized business profile for accurate comparisons. Every quote used the same setup: two employees (three people total, including the owner), $150,000 annual payroll, $300,000 annual revenue, and already insured status to reflect established businesses rather than startups.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
