Florist business insurance costs vary based on coverage type, affecting your budget planning. Monthly premiums range from $38 for professional liability coverage to $61 for workers' compensation insurance.
How Much Does Florist Business Insurance Cost?
Florist business insurance can cost as little as $38 per month, but your specific business details will determine your actual rate.
Discover cheap florist business insurance below.
Select your industry
Select state
Updated: August 21, 2025
Advertising & Editorial Disclosure
Key Takeaways
Florist business insurance costs range from $38 to $61 monthly, depending on your coverage type.
Your florist insurance premiums depend on location, claims history, property types serviced and employee count.
Shop multiple insurers, bundle policies, increase deductibles and pay annually to find affordable florist business insurance costs.
Average Florist Business Insurance Cost Overall
| BOP | $59 |
| General Liability | $43 |
| Professional Liability (E&O) | $38 |
| Workers' Comp | $61 |
How did we determine these rates?
These rates are for small businesses with two employees across 79 major industries or business types and focus on four coverage types: general liability, professional liability/E&O, workers' comp and business owner's policy. Survey results reflect limited sample data and may not represent all available rates in your area.
Florist Business Insurance Cost for General Liability Coverage by State
Your florist business general liability coverage costs depend on location. Maine offers the most savings at $37 monthly versus the $43 national average, while New York costs $50 monthly, giving you concrete planning data.
| Alabama | $42 |
| Alaska | $39 |
| Arizona | $41 |
| Arkansas | $41 |
| California | $48 |
| Colorado | $43 |
| Connecticut | $47 |
| Delaware | $46 |
| Florida | $47 |
| Georgia | $44 |
| Hawaii | $46 |
| Idaho | $41 |
| Illinois | $47 |
| Indiana | $42 |
| Iowa | $41 |
| Kansas | $42 |
| Kentucky | $40 |
| Louisiana | $50 |
| Maine | $37 |
| Maryland | $41 |
| Massachusetts | $45 |
| Michigan | $41 |
| Minnesota | $40 |
| Mississippi | $43 |
| Missouri | $43 |
| Montana | $43 |
| Nebraska | $41 |
| Nevada | $49 |
| New Hampshire | $43 |
| New Jersey | $49 |
| New Mexico | $43 |
| New York | $50 |
| North Carolina | $37 |
| North Dakota | $37 |
| Ohio | $40 |
| Oklahoma | $41 |
| Oregon | $40 |
| Pennsylvania | $50 |
| Rhode Island | $47 |
| South Carolina | $44 |
| South Dakota | $40 |
| Tennessee | $42 |
| Texas | $43 |
| Utah | $41 |
| Vermont | $41 |
| Virginia | $39 |
| Washington | $49 |
| West Virginia | $45 |
| Wisconsin | $42 |
| Wyoming | $40 |
How did we determine these rates?
These rates are for small businesses with two employees across 79 major industries or business types and focus solely on general liability policies. Survey results reflect limited sample data and may not represent all available rates in your area.
Florist Business Insurance Cost for Workers’ Compensation Coverage by State
Your florist business's cost for workers' compensation varies by state. North Carolina offers the lowest rates at $52 monthly and New York the highest at $71 monthly. Our analysis reveals how state regulations and claim histories create these differences.
| 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 |
How did we determine these rates?
These rates are for small businesses with two employees across 79 major industries or business types and focus solely on workers’ comp policies. Workers' compensation requirements vary by state and are mandated by state regulations. Survey results reflect limited sample data and may not represent all available rates in your area.
Florist Business Insurance Cost for Professional Liability Coverage by State
Your florist business cost for professional liability varies based on location. The national average runs $38 monthly. North Carolina offers the lowest rates at $32 for E&O insurance, while Nevada charges the 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 |
How did we determine these rates?
These rates are for small businesses with two employees across 79 major industries or business types and focus solely on professional liability policies. Survey results reflect limited sample data and may not represent all available rates in your area.
Florist Business Insurance Cost for BOP Coverage by State
Business owner's policy rates show substantial variation in florist business insurance costs nationwide. Monthly premiums range from $51 in North Carolina to $70 in New York for comparable coverage.
| 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 |
How did we determine these rates?
These rates are for small businesses with two employees across 79 major industries or business types and focus solely on BOP coverage. Survey results reflect limited sample data and may not represent all available rates in your area.
Factors Affecting Florist Business Insurance Cost
Insurance costs for your florist business are based on several factors that insurers review to set premiums. Understanding these elements helps you plan your budget better. Learn more about these factors below.
Geographic location
Your business location affects workers' compensation rates due to local regulations and claim frequencies. Operating in flood-prone areas or regions with extreme weather increases your risk profile, and state differences create substantial premium variations.
Safety record and claims history
Previous claims impact future premiums, sometimes for three to five years. A single slip-and-fall lawsuit can substantially increase your general liability rates at renewal.
Employee count and payroll
Insurers calculate workers' comp premiums based on your total payroll and job classifications. Adding employees increases your payroll costs, directly impacting your workers' compensation premiums since insurers calculate your rates per dollar of wages paid.
Business size and revenue
Higher annual revenue typically means higher premiums since insurers view larger operations as having greater exposure to claims. For example, a small flower shop with $100,000 in annual revenue pays less for insurance than a full-service florist doing $500,000 in wedding and event business.
Coverage limits
Higher coverage limits provide better protection but cost more monthly. Choosing between different coverage amounts directly affects your premium, with higher limits increasing costs proportionally.
Credit score and financial stability
In most states, insurers can consider your business credit score when setting rates. A strong credit score can reduce premiums, while poor credit often increases costs substantially.
How to Get Cheap Florist Business Insurance
Smart shopping and business practices can lower your florist insurance costs significantly, and the proven strategies below will help reduce your premiums while maintaining strong coverage.
- 1
Choose the right coverage types for your business
Understanding what types of business insurance your florist shop needs prevents overpaying for unnecessary coverage. General liability protects against customer injuries and property damage, while commercial property insurance covers your inventory and equipment. Workers compensation is essential if you have employees delivering flowers or working in your shop.
- 2
Shop multiple insurance companies
Insurance rates can vary significantly between providers for the same coverage. Request quotes from at least three insurance companies to find the best rates. Consider working with an independent agent who can compare multiple options for you.
- 3
Bundle your coverage types
Insurance companies offer substantial discounts when you bundle multiple policies together. Combining general liability, commercial property and commercial auto insurance with one carrier typically costs less than separate policies from different providers.
- 4
Increase your deductibles
Choosing higher deductibles reduces your monthly premium costs. This means you'll pay more out-of-pocket for small claims, but save money on regular insurance payments.
- 5
Pay annually instead of monthly
Monthly payment processing fees can add up quickly. Paying your premium annually often eliminates these fees and may qualify you for additional discounts.
- 6
Review and adjust your coverage annually
Your insurance needs change as your business grows. Review your policy yearly to ensure coverage matches your current operations. Remove unnecessary coverage and adjust limits based on your business size and activities.
Insurance for Florist Business Cost: Bottom Line
Florist business insurance costs range from $38 to $61 monthly, with your location, claims history and business size driving your actual premium. Getting quotes from multiple insurers, bundling your policies, choosing higher deductibles and paying annually instead of monthly helps you find more affordable rates.
Florist Business Insurance Cost: FAQ
We've compiled expert answers to the most common questions about florist business insurance costs to help you make informed decisions.
What is the cheapest type of florist business insurance?
Professional liability insurance costs $38 monthly, but it only covers professional errors and oversights.
How much can I save by bundling my florist business insurance policies?
Bundling multiple policies with one carrier can provide additional savings through package discounts.
What factors make my Florist business insurance more expensive?
Factors like business location, claims history, services offered and number of employees can make your florist business insurance expensive.
Should I choose a $500 or $2,500 deductible for my florist business insurance?
Higher deductibles lower your monthly insurance costs, but require more money upfront when filing claims. Consider your business's available cash and claim likelihood when choosing your deductible.
How much does workers' compensation cost for florist businesses by state?
Workers' compensation costs for florists vary by state, ranging from $52 monthly in North Carolina to $71 monthly in New York, with rates reflecting local risk factors and regulations.
Is business owner's policy (BOP) worth the extra cost for florist companies?
A business owner's policy costs $59 monthly and bundles general liability, commercial property and business interruption coverage. This package typically offers more value than purchasing individual policies.
How often should I shop around for florist business insurance quotes?
Review your florist insurance coverage annually during renewal time. Compare at least three carriers to find better rates, particularly if your business has grown or changed.
How We Determined Florist Business Insurance Costs
We collected florist business insurance quotes from companies across different states. For consistent comparisons, every quote used the same business setup:
- Two employees (three people total, including the owner)
- $150,000 annual payroll
- $300,000 annual revenue
- Already insured status
- $1 million per occurrence and $2 million total per year for all coverage except BOP, which includes the same limits plus $5,000 business property coverage
This profile represents small florist businesses requiring comprehensive insurance coverage in most states. We chose companies offering broad national coverage and online quote capabilities, focusing on insurers that actively serve the florist industry.
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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.