Florists insurance

We can help protect the business you've built

All business types

Florists

We’re here to help protect your growing florist business

Find coverage options you can rely on

You count on keeping your floral shop operating at its best, but there’s always the concern over losing your product, having damage to your shop, or bodily injury to a customer or employee. We can help protect against those things. With more than 130 years of experience in the horticultural industry, we understand your business, allowing us to help you with quick, quality claims resolution and safety services to help protect your livelihood.

“We love Hortica. We’ve been a customer for over 60 years.”

Kinsch Florist & Garden Center

Understanding the risks

Insuring your floral operation

Know the hazards you face

Flower inventory

Your crop could be put in jeopardy if there’s storm damage or a climate control system fails. We offer coverage for flower loss. Also, we can help protect your future crop income if you can’t plant due to damage.

Man working in a greenhouse with flowers and plants

Property damage

From your floral inventory to the building itself, there’s a lot of opportunity for loss at your business. Whether it’s for fire or equipment breakdown, we’ll analyze your needs and help provide you customized coverage options.

Slips, trips, and falls

Displays, hanging baskets, and ladders are common hazards found around floral shops and can lead to costly injuries or workers’ compensation claims. We’ll work with you to minimize your risks to help keep customers and employees safe.

Woman working on laptop and talking on the phone

Equipment breakdown

When equipment breaks down, it can mean weeks of lost productivity. This coverage can help reduce your costs and get you back to work sooner.

Customer liability

Customer accidents and injuries on your property can be a concern. And, believe it or not, so can the sick pet who ate the wrong plant, or a customer having an allergic reaction to leaf shine spray used on a delivery. We can help protect your business with general liability insurance.

Delivery accidents

Traffic accidents are one of the biggest liability exposures your business can face. You’re responsible for the actions of your employees while on the road and a commercial auto accident can be devastating. We offer safety training and vehicle insurance coverage.

Flower inventory

Property damage

Slips, trips, and falls

Equipment breakdown

When equipment breaks down, it can mean weeks of lost productivity. This coverage can help reduce your costs and get you back to work sooner.

Customer liability

Delivery accidents

Coverages

The insurance policy coverage you need

We offer a variety of coverages for you

Property insurance is just the beginning of what we offer. We can help you protect your investment and the future of your business. From liability coverage and workers’ compensation to personal insurance, we have a variety of products to help insure your future.

Commercial property

The right property coverage is more than risk management for your building, equipment, and income—it’s about trust and experience. We offer both.

Guide to commercial property

General liability insurance

We can help protect your business from losses caused by your services, operations, or workers, allowing you to focus on running your business.

Guide to general liability

Commercial auto

Deliveries and transporting equipment are important parts of your company. We’ll help you find the right auto coverages for your business.

Guide to commercial auto

Workers’ compensation coverage

Protecting your employees after an injury is important. So is protecting your business from litigation. We can help you do both.

Guide to workers’ compensation

Commercial property

The right property coverage is more than risk management for your building, equipment, and income—it’s about trust and experience. We offer both.

Guide to commercial property

General liability insurance

We can help protect your business from losses caused by your services, operations, or workers, allowing you to focus on running your business.

Guide to general liability

Commercial auto

Deliveries and transporting equipment are important parts of your company. We’ll help you find the right auto coverages for your business.

Guide to commercial auto

Workers’ compensation coverage

Protecting your employees after an injury is important. So is protecting your business from litigation. We can help you do both.

Guide to workers’ compensation

More insurance coverages

These are just some of the insurance coverages we offer. Talk with one of our representatives to find the protection that’s right for you.

See all insurance products

Florist insurance FAQs

What is florist insurance?

Florist insurance is designed to help protect your business and workers whether the majority of your sales are from wire services or walk-in customers, you own your building or rent, or have multiple designers or are a one-person shop.
What are the biggest risks for florists?

Loss of inventory, property damage, delivery accidents, and workplace liability are some of the biggest risks you’ll face. Proper insurance coverage can help protect your business from financial dangers.
How much does florist insurance cost?

Cost will depend on the type of coverage you need and the amount limits it covers. We’ll work with you to find the right kind of insurance and create a customized insurance plan for your business

How Hortica helps

What makes Hortica different

Industry knowledge sets us apart

From the beginning of the quote process, you’ll learn our understanding of your business and its operation ensures you get the proper coverage and quick repairs if there’s ever a claim.

Why choose Hortica

We’ve had a relationship with Hortica for the last 60 years and it’s been a very important relationship. It allows us to focus on our business and not worry about some of the pitfalls.

John

Baisch & Skinner Wholesale Floral Distributor

Find the right type of insurance

Coverage specifically designed for your business

Request a quote

Florists insurance

We can help protect the business you've built

Florists

We’re here to help protect your growing florist business

Find coverage options you can rely on

Understanding the risks

Insuring your floral operation

Know the hazards you face

Flower inventory

Property damage

Slips, trips, and falls

Equipment breakdown

Customer liability

Delivery accidents

Flower inventory

Property damage

Slips, trips, and falls

Equipment breakdown

Customer liability

Delivery accidents

Coverages

The insurance policy coverage you need

We offer a variety of coverages for you

Commercial property

General liability insurance

Commercial auto

Workers’ compensation coverage

Commercial property

General liability insurance

Commercial auto

Workers’ compensation coverage

More insurance coverages

Florist insurance FAQs

How Hortica helps

What makes Hortica different

Industry knowledge sets us apart

Find the right type of insurance

Coverage specifically designed for your business

Have a claim?