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.

Here are some of the biggest cost drivers:

• Number of employees (affects workers’ comp and liability)
• Property size and value (affects commercial property coverage)
• Delivery services (affects commercial auto insurance)
• Past claims history (insurers charge more if you’ve filed claims)
• Business interruption coverage and other add-ons

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

General Liability Insurance

The average cost of general liability insurance for a florist business is about $39 per month.

General liability covers third-party bodily injury, property damage, and advertising injuries. For example, if a customer walks into your shop, slips on water spilled from a flower bucket, and gets injured, this insurance can help cover their medical bills and your legal costs if they decide to sue.

Typical policy limits are $1 million per occurrence and $2 million aggregate.

Factors that influence the cost include the shop size, location, customer traffic volume, previous claims history, and any endorsements you may add.

Here’s a look at the average annual premiums for 10 different states:

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.

Business Owner’s Policy (BOP)

The average cost of a business owner’s policy (BOP) is about $70 per month for florist business.

A BOP bundles general liability insurance with commercial property insurance. It protects against customer injuries, property damage, and loss or damage to the florist’s building, furnishings, and equipment. For example, if an electrical issue causes a fire that damages your flower coolers, display stands, and part of your shop, the BOP can help pay for repairs and replacements.

Typical policy limits are $1 million per occurrence and $2 million aggregate for liability, with separate property coverage limits based on the value insured.

Cost factors include the florist business property value, location risk (such as flood or crime rates), business revenue, number of employees, and any optional endorsements like business interruption insurance.

Here’s a look at the average annual premiums for 10 different states:

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 a florist is around $175 per month.

Workers’ comp covers medical bills, rehabilitation, and lost wages for employees injured on the job. For example, if a florist cuts their hand while arranging flowers or lifting a heavy bucket and needs medical care, workers’ comp would pay for their hospital visit and part of their lost income while they recover.

Policy limits are regulated by each state, but typically include medical costs and a percentage of lost wages without a set cap.

Premiums are influenced by the size of your payroll, the type of work employees perform, your claims history, and any implemented safety programs.

Here’s a look at the average annual premiums for 10 different states:

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.

Commercial Auto Insurance

The average cost of commercial auto insurance for a florist business that offers delivery services is about $160 per month.

Commercial auto insurance covers vehicles owned or used by the business for accidents, theft, vandalism, or damage. For example, if a delivery driver gets into an accident while bringing flowers to a customer, this insurance would help cover the repair costs and any claims from other people involved in the accident.

Factors influencing the cost include the number and type of vehicles, how often they are used, the driving records of employees, whether deliveries are local or long-distance, and whether you add endorsements like hired and non-owned auto insurance (HNOA) for employee-owned vehicles used for deliveries.

Here’s a look at the average annual premiums for 10 different states:

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

The average cost of commercial umbrella insurance for a florist business is about $54 per month.

Commercial umbrella insurance gives your florist business extra protection by increasing the limits of your other liability policies, like general liability, commercial auto, or employer’s liability. It kicks in when your regular insurance limits are used up after a big claim.

For example, if a customer slips in your flower shop, gets seriously hurt, and sues your business, your umbrella insurance would cover the extra amount if your regular limits are used up, so you don’t have to pay out of pocket.

The price of umbrella insurance depends on how risky your business is and how much extra coverage you want. You also need to have a certain amount of basic insurance (like general liability or auto insurance) before you can add umbrella coverage on top.

Here’s a look at the average annual premiums for 10 different states:

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.

How To Lower Your Florist Business Insurance Costs

Running a florist business is expensive, but your insurance bill doesn’t have to break the bank. While you can’t eliminate the need for coverage, you can take smart steps to reduce your premiums without sacrificing protection. Here are some practical ways to lower your florist business insurance costs:

1. Bundle Your Policies

One of the easiest ways to save is by bundling multiple policies. Most insurers offer a Business Owner’s Policy (BOP) that combines general liability and property insurance at a lower rate than if you bought them separately. If you also need workers’ compensation, bundling all three through the same provider can lead to additional discounts. Not only does this simplify your paperwork, but it also makes your coverage more cost-efficient.

Tip: Make sure you have the right coverage too, such as product liability to protect against illness or allergies from plants, and property insurance for your equipment and inventory. 

2. Ask About Discounts

Insurance companies often reward florists that commit to a policy long-term. Ask your provider if they offer multi-year discounts for signing a two- or three-year agreement instead of renewing annually. You might also qualify for lower rates if you pay your premium in full instead of in monthly installments.

3. Implement Safety Measures

Accidents can be costly for both your flower shop and your insurance company. By making your shop safer, you can lower the risk of injuries, and that may help reduce your insurance costs over time.

For example, you can install non-slip flooring, use “wet floor” signs when water spills from buckets, and keep walkways clean and free of clutter.

Tip: Regularly checking and maintaining your flower coolers, tools, and delivery equipment also helps prevent accidents.

4. Create A Safe Working Environment

A good safety program can help lower your workers’ compensation insurance costs. When your employees know how to work safely, there’s less chance of accidents, and fewer claims. For example, you can train your staff on how to lift heavy flower buckets properly, use sharp tools like scissors and cutters safely, and follow fire safety rules when using electrical equipment. Make sure your shop has clear emergency exits and that everyone knows what to do in case of an emergency.

5. Adjust Your Deductible

Your deductible is the amount you pay out of pocket before insurance coverage kicks in. Choosing a higher deductible can significantly reduce your monthly premiums. Just make sure you can comfortably cover that amount if a claim arises.

By taking these steps, you not only save money but also make your florist business a safer, more resilient business.

Tip: Consider adjusting your coverage annually too; if things like change your employees, services, or equipment, you might be able to alter your costs/discounts for florist business insurance.