NEXT earned our top spot for the best small business insurer for florist companies due to its excellent customer service and comprehensive coverage. We also recommend comparing quotes from our other top picks, including The Hartford, Simply Business and Thimble.
Best Florist Business Insurance
We found that NEXT, The Hartford and Simply Business provide the best and cheapest business insurance for florists.
Discover affordable business insurance for florist businesses below.
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Updated: August 21, 2025
Advertising & Editorial Disclosure
Key Takeaways
NEXT ties for the best business insurance company for florist firms with strong customer service and coverage.
The cheapest overall commercial insurance provider for florist businesses is Thimble, with low monthly rates for various coverage types.
To shop for business insurance for your florist business, assess the risks in your industry, consult insurance agents and other similar florist businesses and compare multiple options.
Best Business Insurance for Florist Companies
| NEXT Insurance | 92 | 90 | 94 |
| The Hartford | 92 | 91 | 91 |
| Simply Business | 92 | 94 | 83 |
| Thimble | 91 | 98 | 81 |
| Nationwide | 91 | 89 | 91 |
| Coverdash | 88 | 87 | 83 |
| biBERK | 87 | 84 | 91 |
| Chubb | 85 | 80 | 87 |
| Progressive Commercial | 84 | 84 | 81 |
| Hiscox | 83 | 80 | 87 |
*All scores were based on a florist business with two employees across professional liability, general liability, workers' comp and BOP policies.
1. NEXT
pros
Best customer service experience
Reasonable rates for most coverage types
Large coverage selection
cons
Slower quote times than competition
Lower financial stability ratings
COMPANY HIGHLIGHTS
NEXT earned the top position in our florist business insurance rankings, with strong customer service, competitive pricing and comprehensive coverage for floral operations. Despite having under a decade of experience, NEXT earned a 4.7 out of 5.0 customer rating from over 3,000 policyholders.
With competitive rates across most coverage types, it's an exceptional choice for florists needing robust protection against plant handling, delivery operations, and seasonal business risks while maintaining budget-friendly premiums.
2. The Hartford
pros
Lowest professional liability insurance rates
Extensive experience with over 200 years in the industry
Highest financial stability ratings
cons
Less affordable for workers' comp policies
COMPANY HIGHLIGHTS
The Hartford tied for the top spot in our florist business insurance rankings. The company offers the most affordable professional liability policies with an average monthly rate of $34, which is particularly attractive for florists due to the specialized nature of floral design and event services.
The Hartford earned strong scores from over 10,000 customers across various industries and coverage types. It also earned an A+ from AM Best for financial stability, which is the best in our study.
3. Simply Business
pros
Easy online process
Second most affordable overall
cons
Mixed customer service ratings
Claims through a third party
COMPANY HIGHLIGHTS
Simply Business earned recognition in our florist business insurance rankings by offering a marketplace platform that connects floral professionals with multiple specialized insurers. The service excels at helping florists compare coverage options and rates, streamlining the process of finding appropriate policies for seasonal business fluctuations, delivery operations, and plant handling risks at competitive rates.
Cheapest Business Insurance for Florist Firms
Our study shows Thimble offers the cheapest overall commercial insurance for florist companies across most policy types. This applies to florist companies with two employees, and you may find lower rates elsewhere. Below are the most affordable providers by major coverage types.
Cheapest General Liability Insurance for Florist Companies
With an average monthly rate of $24, Thimble offers the lowest-cost general liability insurance for florist companies. Still, get quotes from the next-most-affordable insurers: Simply Business and Nationwide.
| Thimble | $24 | $294 |
| Simply Business | $31 | $369 |
| Nationwide | $36 | $429 |
| NEXT Insurance | $37 | $450 |
| The Hartford | $39 | $469 |
| Coverdash | $42 | $505 |
| Progressive Commercial | $47 | $564 |
| Chubb | $48 | $579 |
| biBERK | $49 | $586 |
| Hiscox | $57 | $685 |
Cheapest Workers' Comp Insurance for Florist Companies
Thimble offers the lowest-priced workers' comp insurance for florist companies, with typical rates starting at $26 monthly or $314 annually. Still, check quotes from other low-cost insurers like Progressive Commercial, Simply Business, Hiscox and NEXT.
| Thimble | $26 | $314 |
| Progressive Commercial | $28 | $338 |
| Hiscox | $29 | $350 |
| Simply Business | $29 | $349 |
| Coverdash | $30 | $359 |
| NEXT Insurance | $30 | $365 |
| The Hartford | $30 | $355 |
| biBERK | $31 | $369 |
| Nationwide | $33 | $394 |
| Chubb | $35 | $422 |
Cheapest Professional Liability Insurance for Florist Companies
The Hartford offers the most affordable professional liability insurance options for florist companies, with low average monthly rates of $34. You may also want to compare prices from other low-cost providers like NEXT, Progressive Commercial and Thimble.
| The Hartford | $34 | $404 |
| NEXT Insurance | $35 | $422 |
| Progressive Commercial | $36 | $430 |
| Simply Business | $37 | $445 |
| Thimble | $37 | $446 |
| Coverdash | $38 | $457 |
| Hiscox | $38 | $450 |
| biBERK | $39 | $468 |
| Nationwide | $41 | $486 |
| Chubb | $44 | $527 |
Cheapest BOP Insurance for Florist Companies
Thimble provides the most affordable business owner's policy (BOP) coverage for florist companies, with an average yearly cost of $454 for bundled general liability and property protection. That's a savings of roughly $95 annually compared to Simply Business, the second most affordable option.
| Thimble | $38 | $454 |
| Simply Business | $46 | $549 |
| The Hartford | $50 | $602 |
| Nationwide | $54 | $644 |
| NEXT Insurance | $54 | $651 |
| Coverdash | $61 | $732 |
| biBERK | $63 | $760 |
| Progressive Commercial | $71 | $847 |
| Chubb | $73 | $877 |
| Hiscox | $86 | $1,026 |
What Type of Coverage Do You Need for a Florist Business?
Companies with employees need workers' comp insurance, and businesses that use vehicles must have commercial auto coverage. Many clients or contracts also require businesses to carry general liability insurance before starting work. You might also need a surety bond in certain industries, especially when contracts require guarantees of service or compliance.
RECOMMENDED FLORIST BUSINESS COVERAGE
We recommend general liability insurance for florist companies because it covers common risks like bodily injury, property damage and legal defense costs. Professional liability insurance is also a smart option for businesses that work under client contracts or provideste specialized services. It’s particularly helpfusl for florist businesses with commercial contracts or high-risk jobs, like technical, legal, or customized services.
How to Get the Best Cheap Business Insurance for Your Florist Company
Follow this step-by-step method to find the best and cheapest business insurance for your florist company.
- 1
Decide on coverage needs before buying
Think about what could go wrong in your florist business, get advice from similar businesses, talk to agents and research the types of business insurance. This helps you understand your coverage needs and prevents you from buying excessive coverage.
- 2
Research costs
Research average costs for your business profile and find which providers offer the cheapest rates overall. This gives you a benchmark for how much you're saving when comparing quotes and which companies to start with.
- 3
Look into company reputations and coverage options
Research what customers say on online rating sites and forums to get a better look at company services. Also, check coverage options to make sure you're covered for the right items, both now and as your business grows.
- 4
Compare multiple quotes through different means
The best way to find a good deal is to compare multiple quotes for the same coverage. Pricing varies by your comparison method, whether with captive agents, comparison sites, company websites or independent agents.
- 5
Reassess annually
Your business situation will change, influencing your rates and coverage needs. Repeat these steps annually to ensure you still have the best deal.
How to Decrease Your Florist Business's Liability Risk
Reducing liability risk helps florist businesses manage and lower insurance costs over time. Below, we have organized risk mitigation strategies based on the specific risk level or service type of your florist business.
Florist Business Risk Type | Included Types of Florist Businesses | Risk Mitigation Tactics |
|---|---|---|
Highest | Large-scale event florals (weddings, corporate), on-site floral installation, outdoor venue decoration, multi-level arrangements, international flower importing, greenhouse operations |
|
Moderately high | Wedding florals, funeral services, corporate accounts, holiday decorating, delivery services, floral subscriptions, workshop instruction |
|
Moderate | Retail flower shop, custom arrangements, holiday flowers, sympathy arrangements, small event florals, plant sales |
|
Moderately low | Simple bouquets, pre-made arrangements, flower delivery only, floral supplies retail, artificial flower arrangements |
|
Lowest | Floral consulting, event planning coordination, floral design education, wholesale flower brokerage, floral supply sales |
|
Best Insurance for Florist Business: Bottom Line
NEXT ranks as the top provider for florist insurance, and Thimble offers the most affordable coverage overall. We also recommend getting quotes from The Hartford and Simply Business. For the best deal, talk to agents, research providers and pricing, and compare multiple quotes side by side.
Florist Business Insurance: FAQ
Below, we answer common questions about business insurance for florists.
Who offers the best florist business insurance overall?
NEXT Insurance offers the best business insurance for florist companies with a strong customer service rating and an impressive MoneyGeek score of 92 out of 100. The Hartford follows closely, providing another excellent choice.
Who has the cheapest business insurance for florist companies?
Here are the most affordable insurance providers for florist businesses by coverage type:
- Cheapest general liability insurance: Thimble at $24 monthly
- Cheapest workers' comp insurance: Thimble at $26 monthly
- Cheapest professional liability insurance: The Hartford at $34 monthly
- Cheapest BOP insurance: Thimble at $38 monthly
What business insurance is required for florist organizations?
Workers' compensation insurance (if you have employees) and commercial auto insurance (if you own business vehicles) are legally required for florist businesses, with requirements varying by state. While not legally mandated, general liability insurance and surety bonds are effectively required by most commercial clients and property leases.
How much does florist business insurance cost?
Business insurance costs for florist businesses vary depending on the type of coverage. Below are the average monthly costs from our study:
- General liability: $38 per month
- Workers comp: $30 per month
- Professional liability: $39 per month
- BOP insurance: $59 per month
How We Chose the Best Florist Business Insurance
We selected the best business insurer for florist companies based on the following criteria:
- Affordability (50% of score): The lower a company's costs compared to the competition based on our base profile for four core coverage types, the better it performs.
- Customer service (30% of score): We scored providers on overall customer satisfaction using industry studies, customer review forum ratings and public forum sentiment analysis from sites like Reddit.
- Coverage (15% of score): We scored business insurance for this category based on the flexibility, payment and actual coverage options.
- Financial stability (5% of score): Using financial stability industry ratings from companies like AM Best and Moody's, we created an overall rating to judge how likely a company is to pay out claims compared to the competition.
All pricing in this article is based on the following base profile to represent the vast majority of small businesses in all states:
- Three-person business with two employees
- Coverage: $1 million per occurrence and $2 million total per year for all but BOP, which includes the same coverage plus $5,000 of business property coverage
- $150,000 in payroll
- $300,000 annual revenue
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.
sources
- AM Best. "Hartford Fire Insurance Company." Accessed June 16, 2025.
- NEXT. "Customer Reviews." Accessed June 16, 2025.