Florist & Flower Shop Insurance — Coverage, Cost & Requirements
BOP and commercial auto coverage for florists protecting inventory, storefronts, and deliveries.
Backed by Munich Re. 750,000+ businesses insured. Get your certificate of insurance instantly.
What Coverage Does Florist & Flower Shop Insurance Include?
Most florist & flower shop businesses need several types of coverage to be fully protected. Here's a breakdown of the policies that matter most for your industry.
BOP
Business Owners Policy bundles general liability + commercial property at a discounted rate. Ideal for small businesses.
Commercial Auto
Covers vehicles used for business — including accidents, theft, and damage.
Food Spoilage
Covers inventory losses from power outages, equipment failure, or contamination.
Workers Comp
Required in most states. Covers medical expenses and lost wages for employees injured on the job.
How Much Does Florist & Flower Shop Insurance Cost?
The cost of florist & flower shop insurance varies based on your revenue, number of employees, location, and claims history. Here's a realistic range for most businesses.
⚠️ These are estimated ranges. Your actual premium will vary. Updated August 2026.
Get Covered Now — It Takes 10 Minutes
NEXT Insurance lets you get a quote, buy a policy, and download your certificate of insurance entirely online. No agent calls required. Backed by Munich Re's A+ AM Best rating.
Want us to text you the link instead?
SMS only. No spam. Reply STOP to opt out.
Frequently Asked Questions
Related Coverage
Retail Store Insurance
Coverage breakdown and costs for retail store businesses.
Auto Dealer Insurance
Coverage breakdown and costs for auto dealer businesses.
E-Commerce Business Insurance
Coverage breakdown and costs for e-commerce business businesses.
Convenience Store Insurance
Coverage breakdown and costs for convenience store businesses.