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Florists insurance

We can help protect the flower shop business you've built

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Florist insurance

We’re here to help protect your floral business

Get custom florist insurance from an experienced provider

You count on keeping your floral shop operating at its best. As a business owner, you worry about things like:

  • Losing inventory due to equipment failure

  • Suffering property damage after a severe storm

  • Incurring damages after a customer is injured slipping on your floor

  • Filing a workers’ compensation claim after an employee strains their back lifting product

We can help protect you and your business against losses due to these types of incidents with floral business insurance.

With more than 135 years of experience in horticultural and floral insurance, we understand the risks businesses like yours face. We work with you to provide quick, quality claims support and safety services to help protect your livelihood, no matter if you’re a:

  • Retail florist

  • Wholesale florist

  • Wedding and event florist

“We brought on Hortica because I wanted someone who understands my business and is as passionate about it as I am.”

Fred, customer
Vista, California
Why florists need business insurance

What can florist insurance help cover?

Common florist risk exposures

Not sure what type of floral business insurance is beneficial for your operation? Consider common risk factors like perishable inventory and potential liabilities when choosing coverages.

Bouquets of flowers

Floral inventory

Your inventory is a critical asset for your business. That’s why we offer florist insurance coverage for inventory loss. Inventory loss or damage can happen anytime due to power failures, mechanical breakdowns, refrigerant contamination, storms, and more. We can help you assess and prepare for those risk exposures.

We also offer an automatic increase in your policy limits 14 days prior and three days after nine major floral holidays. It’s one of the advantages we provide as a niche insurance provider.

Florist inspecting damage

Property damage

From your delicate floral inventory to the building itself, there’s a lot of opportunity for loss at your business—whether it’s from equipment breakdowns, storm damage, theft, or fire. You can customize your property insurance based on your building, equipment, inventory, business income, and other exposures.

Hanging flower pot

Slips, trips, and falls

Displays, hanging baskets, and slippery floors are common injury hazards at flower shops. So is the sick pet who ate one of your plants, or a customer’s allergic reaction to the leaf shine spray you used on a delivery. General liability insurance can help protect your business if someone is injured at your shop, or if you sell a product that causes injury or damage.

Florist talking with a customer and looking at a computer

Equipment breakdown

Your florist business relies heavily on specialized equipment to grow and store live plants and cut flowers. When equipment breaks down, it can mean weeks of lost business and revenue. Coverage for equipment breakdowns can help reduce your costs and get your business back on track sooner.

Arranging flowers

Customer liability

Customer injuries on your property can be a financial and reputational risk. A small puddle from a freshly watered plant can quickly turn into a trip to the emergency room for a customer. Liability insurance helps protect you from covered claims and lawsuits arising from property damage and bodily injuries.

woman delivering flowers

Delivery accidents

Deliveries and event transports are typical for your floral business. You’re responsible for your actions and those of your employees on the road—and an auto accident can be devastating. Commercial auto insurance can help reduce losses from accidents, theft or vandalism, and injuries to employees—even if you or your employees use a personal vehicle for business.

Coverages

What types of insurance are available for florists?

Florist insurance plays a major role in helping support the financial well-being of your business.

Property insurance is just the beginning of our floral business insurance coverages. We can help you protect your investment, covering your employees, customers, equipment, plants, and inventory.

greenhouse with plants

Commercial property insurance

Unexpected property loss or damage is almost inevitable—whether it’s from fire, storm damage, theft, or breakdowns. You can customize your commercial property insurance coverage based on your buildings, equipment, inventory, income, and other exposures.

Guide to commercial property
green shield with purple flowers

General liability insurance

Lawsuits following slips, trips, and falls are a significant threat to your bottom line and reputation. Liability insurance can help you protect your business if someone is injured at your location, or if you sell a product that is defective and causes injury or property damage.

Guide to general liability
tree-lined road

Commercial auto insurance

If your employees get into an accident during work-related activities such as deliveries or transporting equipment, your business can be sued for damages. Commercial auto insurance can help cover losses related to accidents that happen when you're using a personal vehicle for your business.

Guide to commercial auto
Employee badge with a medical cross.

Workers' compensation coverage

Protecting your employees after an on-the-job injury is important. So is protecting your business from litigation. Workers’ compensation coverage can help cover medical and related expenses for your employees who are injured while working.

Guide to workers' compensation
umbrella and rain drops

Umbrella coverage

This optional coverage picks up where your standard liability policy coverage ends. It provides an extra layer of coverage that can help protect your business in the event of a catastrophic liability loss or a major judgment against you or your company.

Guide to umbrella coverage

More insurance coverages

These are just some of the insurance coverages we offer retail, wedding, and event florists. Explore what’s available for your business.

See all insurance products

Florist insurance FAQs

Florist insurance is a specific type of business insurance designed for floral businesses and the unique risks they face. It’s designed to help protect your business and employees—whether the majority of your sales are from wire services or walk-in customers, you own your building or rent, or you have multiple designers or are a one-person florist shop.

Loss of inventory, property damage, delivery accidents, and workplace liability are some of the biggest risks florists businesses face. Custom insurance coverage can help protect your business from financial perils and professional indemnity.

Your florist shop insurance cost depends on the type and amount of coverage you need. We'll work with you to create a customized florist insurance plan for your business.

How Hortica helps

Why choose us for florist insurance?

We have the industry knowledge and experience to help your business

Our coverages aren’t just standard insurance products—they’re supported by our exceptional service and industry expertise. We’ve exclusively served the horticultural and floral industries for more than 135 years. Along with florists, that includes garden centers, nurseries, greenhouse growers, and landscapers.

We have the experience and knowledge to assess risks businesses like yours face, and offer crop insurance for plants you grow and maintain within climate-controlled areas.

So, you can focus on growing your business. We’ll be there to help you protect it.

Why choose Hortica
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“The responsiveness from our contact personnel has been exceptional. Prompt, efficient, and thorough. Very pleased with the frequent notices provided with all the great tips! It’s so very obvious this company knows our business and industry well.”
Freda, customer
Montgomery City, Missouri