Best Florist Business Insurance

NEXT ranks first for florist business insurance with a MoneyGeek score of 4.62 out of 5, thanks to its competitive rates and quality service. If you own a flower shop, compare quotes from NEXT and Coverdash to find coverage that fits your budget and protects your floral business.

Note: We based all scores on a flower shop with two employees across professional liability, general liability, workers' comp and BOP policies.

Simply Business leads florist business insurance at $43 monthly or $513 annually, offering the cheapest general liability coverage for flower shops at $30 monthly. For workers' compensation, NEXT and The Hartford offer better rates. Thimble provides the most affordable business owner's policy at $38 monthly, while The Hartford leads professional liability at $34 monthly.

In general, business insurance costs for flower shops are the following for the four most popular coverage types:

• General Liability: $43 on average per month, ranging from $37 to $50, depending on the state
• Workers' Comp: $61 on average per month, ranging from $52 to $71, depending on the state
• Professional Liability (E&O): $38 on average per month, ranging from $32 to $44, depending on the state
• BOP Insurance: $59 on average per month, ranging from $51 to $70, depending on the state

Most states require workers' compensation if you employ delivery drivers or designers, while commercial auto coverage is mandatory for business-owned vehicles. 

Beyond these insurance needs of flower shops, general liability and property protection are highly recommended to protect your floral business from slip-and-fall accidents and spoiled inventory during peak seasons.

• Workers' Compensation Insurance: Your designer cuts their hand while trimming rose thorns or your delivery driver throws out their back loading a 50-pound wedding arch. Workers' comp covers their medical bills and lost wages while they recover. Required in most states if you have employees, even part-time seasonal help, during Mother's Day.
• Commercial Auto Insurance: Your van slides on black ice during a Valentine's Day delivery, damaging both your vehicle and a client's fence. Commercial auto covers these accidents, unlike your personal policy. Required by most states for business vehicles, protecting you from liability when transporting arrangements to weddings, funerals and corporate events.
• General Liability Insurance: A bride trips over your equipment during ceremony setup and breaks her ankle, or your centerpiece stains a venue's $10,000 custom drapes. General liability covers medical bills, legal fees and property damage. Start with $1 million coverage since wedding venues and event spaces require proof before you can deliver.
• Commercial Property Insurance: Your cooler breaks down the week before Valentine's Day, destroying $5,000 worth of roses and tulips. Or a burst pipe floods your shop overnight, ruining your entire Easter inventory. Property insurance covers refrigeration failures, fire, theft and weather damage. Carry $50,000 to $150,000 based on your inventory value and equipment.
• Professional Liability Insurance (E&O): You accidentally use lilies in a wedding bouquet after the bride specifically said she's allergic, sending her to the ER. Or your delivery arrives three hours late, ruining the ceremony timeline. Professional liability covers lawsuits from mistakes, missed deadlines and wrong flower selections. Wedding and event florists need $1 million minimum.
• Business Owner's Policy (BOP): Combines general liability and property coverage at a lower cost than buying separately, plus adds business interruption protection. When a kitchen fire forces you to close for two months, BOP replaces your lost income and covers ongoing expenses like rent and utilities while you rebuild your flower shop.
• Cyber Liability Insurance: A hacker steals credit card numbers from your online ordering system, or ransomware locks you out during prom season. Cyber insurance covers data breach notifications, credit monitoring for affected customers and ransom payments. Essential for florists who accept online orders or store customer payment information in your point-of-sale system.

Our step-by-step guide to getting business insurance helps you find coverage tailored to your flower shop's business needs.

Protecting your flower shop starts with the right coverage. NEXT earned the highest MoneyGeek score of 4.62 for comprehensive financial protection, while Simply Business offers affordable rates starting at $30 monthly for general liability. Whether you run a boutique floral studio or event-focused operation, securing general liability, property and workers' compensation coverage protects your business from unexpected costs.

We answer frequently asked questions about florist business insurance:

We selected the best business insurer for flower shops 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 the company 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 providers 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 companies are 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