How Much Does Flower Shop Insurance Cost? 2025 Rates

U.S. florists can expect to pay $840 annually for comprehensive business insurance, averaging $70 per month. The primary cost drivers are location of the florist shop, coverage limits, number of employees, business size and revenue, use of vehicles for flower deliveries, and value of inventory & equipment.

How Much Does Florist Business Insurance Cost?

The average florist in the U.S. pays $840 per year for a full business insurance package. That breaks down to roughly $70 per month. However, this is just a ballpark range and actual business insurance costs can vary widely depending on your specific situation.

Every florist shop has its own set of risks, so the cost of insurance can be different for everyone. A small flower stand with no employees and no delivery service will usually pay much less than a large flower shop that delivers, has several employees, and stores expensive equipment.

Things like the types of flowers and products you sell, how many people you employ, the value of your shop and tools, and where you’re located can all affect your insurance cost.

For example, flower shops in areas with more theft or legal claims may pay more for liability coverage. And if your shop has a lot of expensive refrigerators and tools, or delivers flowers using company vehicles, your insurance might cost more than a simple shop with basic equipment and no deliveries.

Understanding these variables can help you better estimate your insurance needs and prepare for the real costs of protecting your florist business.

Average Florist Business Insurance Costs For Coverage Types

When it comes to protecting your florist business, different types of insurance cover different risks. Understanding the average cost, coverage details, and what influences pricing for each policy type can help you build a more effective insurance plan for your floral business. Here’s a closer look at the major coverages most florists need.

• General liability insurance: $39 per month
• Business owner’s policy: $70 per month
• Workers’ compensation insurance: $175 per month
• Commercial auto insurance: $160 per month
• Commercial umbrella insurance: $54 per month

Business Owner’s Policy (BOP)

Florists who want bundled protection often choose a Business Owner’s Policy. The average cost for a BOP for a florist is about $70 per month.

A BOP combines commercial property insurance with general liability coverage, giving flower shops protection for customer injuries, accidental property damage, and damage to business contents such as coolers, display cases, furniture, décor, storage fridges, or point-of-sale systems. If a short circuit damages your refrigeration units and wilts your flower inventory, a BOP may help cover replacement costs and repairs.

Policy limits generally include $1 million per occurrence and $2 million aggregate for liability, along with separate limits for business property.

Pricing depends on factors like the value of your shop space and equipment, whether you operate a storefront or studio, the number of employees you have, business income, and whether you add coverage for spoilage, delivery interruption, or equipment breakdown.

Note: Estimates are approximate annual BOP premiums tailored to florist operations in each state; actual premiums will vary with business size, revenue, location, coverage limits, claims history, and other underwriting factors.

Workers’ Compensation Insurance

The average cost of workers compensation insurance for florists is around $175 per month.

This coverage pays for medical care and lost wages when an employee is injured while working. In a floral shop, common injuries include cuts from trimming tools, strain from lifting water buckets, slip accidents in prep areas, or repetitive motion injuries from arranging bouquets.

State laws determine coverage rules, but policies usually pay medical bills and a percentage of lost income.

Premiums are influenced by employee roles, payroll totals, past claims, and whether your business trains workers in safe handling procedures.

Note: Estimates are approximate annual premiums for workers’ compensation coverage tailored to florist operations in each state; actual premiums will vary with payroll, classification codes, claims history, safety practices, and state-specific rules.

General Liability Insurance

The average cost of general liability insurance for florists is about $39 per month.

This policy protects against accidents involving customers or third parties, property damage, and certain advertising-related claims. If someone slips on spilled water near the design counter or a vase display falls and damages a customer’s personal belongings, general liability helps cover medical costs, legal fees, and settlements.

Standard limits are $1 million per occurrence and $2 million aggregate.

Costs vary based on foot traffic, location, business size, claim history, and whether you add extra protections like product liability for edible arrangements or scented items.

Note: Estimates are approximate annual premiums tailored to florist operations in each state; actual premiums will vary with revenue, services offered, claims history, chosen limits, and other underwriting factors.

Commercial Auto Insurance

Florists that provide delivery services often need commercial auto insurance, which averages about $160 per month.

This coverage protects business-owned vehicles used for delivering bouquets, wedding arrangements, sympathy flowers, or event décor. If a delivery van is involved in a collision en route to a customer or arrangements are damaged in an accident, the policy helps cover repairs and liability costs.

Rates depend on the number of vehicles, mileage, staff driving records, whether delivery is local or long-distance, and whether the business uses employee-owned vehicles, which may require hired and non-owned auto insurance.

Note: Estimates are approximate annual premiums for commercial auto coverage tailored to florist operations; actual premiums will vary with fleet size, vehicle types, driving records, coverage limits, and other underwriting factors

Commercial Umbrella Insurance

Florists who want extra protection beyond standard liability limits may purchase commercial umbrella insurance, which averages about $54 per month.

Umbrella coverage adds an additional layer of insurance above general liability, employer liability, and commercial auto. It can be valuable for florists who work in high-traffic retail areas, provide installations for events, or operate delivery vehicles.

The cost depends primarily on how much additional coverage is selected and the limits of the underlying policies.

Note: Estimates reflect typical annual commercial umbrella premiums for florist operations in each state; actual premiums will vary with limits selected, underlying policies, claims history, and other underwriting factors.

Florist Business Insurance Costs By Provider

Florist business insurance costs will vary greatly depending on the insurance carrier. Use the table below to find average costs across different providers.

Note: Estimates are based on average annual premiums for florist businesses; actual premiums will vary by location, revenue, number of employees, claims history, and coverage limits

What Factors Impact Your Florist Business Insurance Costs?

Florists insurance premiums are carefully calculated by underwriters based on your business’s risk profile. From your location and claims history, to your business size, several factors influence what you’ll pay for coverage.

Number Of Employees

If you have workers, you’ll likely need workers’ compensation insurance. The more employees you have, the higher the cost, because there’s a greater chance someone could get hurt on the job. Moreover, the types of services plays a role in the risks for your employees; if your company has employees who deliver flowers, that can increase risks.

Value Of Equipment & Property

The cost to insure your shop depends on how much your building, tools, and equipment (like flower coolers and display cases) are worth. If your business maintains high-value fresh flowers, that means equipment to protect the temperature and keep the blooms safe. This can lead to higher insurance costs compared to companies that focus on simple arrangements over exotic arrangements.

Note: Higher-value floral equipment mean higher insurance costs because it would cost more to replace them.

Type Of Coverage

The more types of insurance you add, like general liability, commercial auto, or business interruption, the more you’ll pay. Also, choosing higher coverage limits means better protection but a higher price.

Business Location

Where your shop is located makes a difference. If you’re in a high-crime area or a place that’s prone to natural disasters (like floods or storms), your insurance might cost more because there’s more risk. A florist operating in Florida, with a high risk of hurricanes faces a higher risk of loss of perishable flowers.

Delivery Services

If you deliver flowers using a business vehicle, you’ll need commercial auto insurance. This can raise your costs, especially if you drive often or have more than one vehicle. Areas with lots of traffic can equate to higher risks of accidents too.

Past Claims History

If you’ve filed insurance claims in the past, insurance companies may see you as a higher risk. This can lead to higher premiums compared to a florist with no claim history.

Safety Measures

Having security cameras, alarms, smoke detectors, and fire extinguishers in your shop can help lower your insurance cost. These tools make your business safer and reduce the chances of damage or loss.

Services Offered

The services your florist business offers directly impacts risks. As mentioned, a florist that deliveries to the local area will see increased costs for things like commercial auto insurance compared to one that doesn’t. Other services that can increase costs include:

• Wedding floral arrangements
• Corporate floral arrangements
• Off-site floral arrangements
• Deliveries
• Installation services for conferences

This also impacts revenue, another factor in florist business insurance costs; higher revenue from specialty services, the higher your risks and premiums.

Credit Score

Your credit score plays a big role in the premiums you get; higher credit scores can save up to 30% on your premiums.

Type Of Flowers & Products Sold

If you sell expensive, rare flowers or extra items like gift baskets, your insurance might cost more because the value of your inventory is higher, and it costs more to replace.