Insurance for florists.

General liability, commercial auto, cooler coverage, and workers’ comp for florists, from the shop counter to the arch you install at a wedding venue.

What florists usually carry

General liability, $1M / $2M
Commercial auto
Hired and non-owned auto
Property and coolers
Spoilage
Business income
Workers’ comp

Watch for these in a florist’s policy

Flowers in the coolerA walk-in that fails the week before a holiday can take your whole stock. Spoilage coverage is often left off unless you ask for it.
Installations at venuesArches, hanging installs, and candles at a venue are your work. If one falls or starts a fire, it is your claim, and venues want to see coverage first.
Holiday driversExtra drivers at peak holidays often use their own cars. Hired and non-owned auto covers the shop when one of them causes a crash.
When a closure hitsLosing the shop the week before a peak holiday costs far more than an ordinary week. Set business income by your busiest month, not a slow one.

What venues and wedding clients ask florists for

Additional insuredVenues and planners ask to be named for the event date.
Primary and noncontributoryMany venue contracts ask that your policy answer first.
Auto liabilityVenues and corporate accounts may ask for proof on your delivery vans.
Workers’ compVenues ask for proof your setup crew is covered.

Questions florists ask

Straight answers.

The questions we hear most, answered plainly.

How is florist insurance priced?

Mostly on sales and payroll, the number of delivery vehicles, and how much event work you do. Installations at venues often rate higher than counter sales and deliveries.

Is damage to a venue during setup covered?

Damage you cause to a venue is usually a general liability claim. Property you are holding or working on can be limited, so ask what your policy says before you install.