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Blooming protection for your florist business - Petal-perfect insurance!

At Coverage Cowboy Insurance, we know that maintaining a thriving florist business comes with its own unique set of challenges and risks. That’s why we offer specialized insurance policies designed to safeguard your business, inventory, and employees.

From property coverage to liability protection, we’ll work with you to create a customized insurance plan tailored to your specific needs. With Blooming Insurance by your side, you can focus on what you do best – creating beautiful arrangements for your customers.
  • General Liability
  • Workers' Compensation
  • Commercial Auto
  • Commercial Property

We’ll help you get the insurance coverage you need for your business.

See the different policies available for Florist businesses and save up to 10% when you bundle!


General Liability

Bought by 95% of business owners like you

General liability insurance is essential for a florist because it protects their business from unexpected accidents or damages. For example, if a customer slips on a wet floor in the shop and gets injured, this insurance can cover their medical expenses and any legal fees. By having general liability insurance, florists can focus on creating beautiful arrangements without worrying about potential financial setbacks.

General Liability can help you pay for:

Medical payments

Property damage

Legal fees and judgments

Commercial Auto

Commercial auto insurance is essential for florists to keep their delivery vans protected on the road. This coverage helps cover the costs of accidents, theft, or damage to the vehicle while making those special deliveries. For example, if a florist’s van gets into a fender bender while delivering a wedding bouquet, commercial auto insurance can help cover the repair costs, keeping the business running smoothly.

Commercial Auto can help you pay for:

Medical expenses

Collision repairs

Rental reimbursement

Workers' Compensation

Workers’ compensation insurance is a must-have for florists to protect their blooming business and valued employees. This coverage helps when an employee gets injured on the job, like accidentally cutting their hand while arranging a bouquet. With workers’ compensation, the florist can focus on creating beautiful arrangements, while the insurance takes care of medical expenses and lost wages for the injured employee.

Workers' Compensation can help you pay for:

Medical expenses

Lost wages

Employer liability

Commercial Property

For business owners that own or rent physical spaces

Commercial property insurance is essential for florists to protect their beautiful blooms and valuable equipment. For example, if a sudden water leak damages your flower shop’s inventory and display cases, this insurance has got you covered. It helps you bounce back quickly, so you can continue creating stunning arrangements for your customers without breaking a sweat.

Commercial Property can help you pay for:

Damaged equipment and inventory

Lost income

Operating expenses

Frequently Asked Questions about Florist business insurance

How does business insurance protect Florists?

Business insurance offers crucial protection for florists in several ways:

  • General Liability: Covers legal expenses and damages if your business is responsible for third-party injuries or property damage.
  • Professional Liability: Protects you from claims arising from errors or omissions in your professional services, such as incorrect flower arrangements or late deliveries.
  • Property Insurance: Reimburses you for damages to your building, equipment, and inventory from events like fire, theft, or natural disasters.
  • Workers’ Compensation: Covers medical expenses and lost wages for employees injured on the job.
  • Commercial Auto Insurance: Safeguards your business vehicles and drivers in case of accidents or damages.

With the right insurance coverage, you can confidently run your florist business, knowing that you’re protected against unforeseen risks and potential financial losses.

What do I need to get an insurance quote?

To get an insurance quote for your florist business, gather the following information:

  • Business name and contact details
  • Location and size of your florist shop
  • Estimated annual revenue and payroll
  • Number of employees
  • A list of your key assets (e.g., inventory, equipment, delivery vehicles)
  • Additional services offered, if any (e.g., event planning, workshops)

Once you’ve prepared this information, you’re ready to request a customized insurance quote for your florist business. Our team at Coverage Cowboy is here to help you find the perfect coverage at an affordable price!

Can I add an additional insured to my business insurance coverage?
Absolutely! It’s easy to add an additional insured to your business insurance policy to provide protection for a specific project or to meet a contractual requirement.

At Coverage Cowboy, we understand the importance of having the right coverage for your business, and we’re here to help you every step of the way. We’re happy to inform you that we offer the option to add additional insureds to your policy.

This is done to give peace of mind knowing that all parties involved in your project or contract are covered in the event of any unexpected losses or liabilities. It’s a simple process, and one of our insurance experts will be happy to guide you through it.

Don’t hesitate to reach out to us, we’d be more than happy to help you add an additional insured to your business insurance policy today!
How can I get a Certificate Of Insurance (COI)?
Once you sign up and purchase your business insurance, you will instantly have digital access to your COI via mobile or PC.


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Our live and friendly U.S.-based insurance experts are standing by to help you with all your insurance needs.

Our live and friendly U.S.-based insurance experts are standing by to help you with all your insurance needs.