Ashland Insurance

Your local Independent Agents Since 1981

Florist Insurance Coverage

Florist insurance covearge
Florist insurance coverage


As happy as the business of being a florist might seem, people could see any business at any time and it’s important to make sure you are covered properly when that one unhappy customer decides to sue for any reason. That’s why every florist must have liability insurance coverage. But beyond the liability, florists must also insure the property they own or rent as well their flower inventory, equipment, loss of income, delivery vehicles and delivery accidents and in some cases, workers compensation.

General liability insurance

General liability covers:

  • Third-party property damage (aka clients or vendors)
  • Bodily injury
  • Medical expenses
  • Personal and advertising injury
  • And more

General liability insurance does not cover:

  • Personal property damage
  • Professional services
  • Employee injury and workers compensation
  • Damage to your work
  • Motor vehicles during business use
  • Intentional injury or damage
  • And more

Property damage coverage

From your floral inventory to the building itself, there’s a lot of opportunity for loss at your business.  Depending on your business operations, you might need coverage for:

  • Buildings and warehouses if you grow your flowers
  • Flower crops in your greenhouse if you grow your flowers
  • Flower inventory in your flower shop
  • Equipment breakdown

Other coverage options you should consider:

  • Business income: Unexpected property damage, fires, and other catastrophic losses shouldn’t result in you losing income. Business income can help keep your business going as you recover from the damage.
  • Professional liability insurance: Protect your business from executive risks, errors, and omissions claims, and guarantee bonds.
  • Commercial auto: delivery is a crucial part of the flower shop business. If you have vehicles you are using for delivery, you must consider a commercial auto policy as well
  • Workers’ compensation coverage: Protecting your employees after an injury is important. So is protecting your business from litigation. As a flower shop owner, you most likely hire employees to help at the shop and to deliver your creations and therefore workers compensation would be required by law for you


    To get a quote and connect with an agent who could help answer your questions and make sure you have the right insurance coverage for your business, please call us at 541-482-0831, or request a quote online