Florist Insurance
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- Powered by Coterie Insurance
- Designed for Florist Businesses
- General Liability & BOP Coverage Available
- Customizable Liability Limits
What Is Florist Insurance?
Florist insurance is coverage designed for the specific risks of running a flower business, from a customer slipping in your shop to a refrigeration failure wiping out your inventory before an event.
Whether you operate a storefront, design from home, or create for events, your policy is designed to help cover costs when things go unexpectedly — so a single claim doesn’t wilt what you’ve built.
How Much Does Florist Insurance Cost?
Florist insurance pricing is tailored to your unique business setup. Your premium cost depends on several factors, including your business operations, the coverages you need, and how many employees you have. Find out how affordable your policy can be by submitting an online application today!
What Does Florist Business Insurance Cover?
Arrange your florist business policy based on your needs. These are the essential coverages most florists opt for.
Florist Insurance at a Glance
These coverages are available in your online application:
- Business Owners Policy (BOP): Bundles general liability and business property coverage (with optional building coverage) into one policy — the most common starting point for small business owners
- General Liability: Can cover third-party claims for bodily injury, property damage, and advertising injury (e.g., a customer slips in your shop)
Additional coverages florists often need:
- Business Interruption: Designed to replace lost income if a covered loss (such as fire or equipment failure) forces you to temporarily close or pause operations
- Commercial Auto: Can cover accidents involving vehicles used for business; required by state law if you or an employee drives for work
- Workers Compensation: Pays for an employee’s medical bills, rehab, and lost wages if they’re injured or become ill on the job; typically required if you have one or more employees
- Equipment Breakdown: Helps cover sudden mechanical or electrical failure of key systems, including refrigerators, compressors, or air conditioners
- Spoilage: Can cover loss of perishable inventory (such as flowers, plants, and arrangements) caused by a refrigeration breakdown, power outage, or refrigerant contamination
- Errors & Omissions (E&O) / Professional Liability: Designed to cover claims arising from professional mistakes, such as delivering the wrong flowers for a wedding or failing to warn a customer about a plant toxic to pets
- Peak Season / BPP Seasonal Increase: Temporarily increases your BPP coverage limit during high-inventory periods when your stock value spikes above your base coverage
More optional coverages will be added to the online application soon. In the meantime, add them through your Coterie dashboard or connect with a Coterie agent!
Why Do Florists Need Insurance?
Florists need insurance to meet contract requirements, financially protect their businesses, and show clients they’re prepared for the unexpected.
From working with perishable inventory to creating beautiful arrangements that end up in clients’ hands, your business handles real risks every day. Here are a few examples of claims insurance can help with:
- Your refrigeration system fails the night before a wedding, leaving your business with thousands of dollars in spoiled inventory
- A client sues you after a guest claims to have an allergic reaction to a centerpiece you designed
- A customer accidentally injures themselves on a pair of shears that were left on a display shelf in your store
With insurance, you have financial support to make things right, so you can focus on delivering fresh blooms and growing your business.
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They provided clarity on the importance of insurance for a first time business owner in the cleaning space and provided clear insight next steps and options for coverage.
Evergreen Multiservices
February 2, 2026 -
Extremely user friendly website, super affordable and very little time needed to apply.
Carl Sari
January 31, 2026 -
Excellent company, Great service, the best!!!
Claudina Adams
January 15, 2026 -
Super affordable insurance for a small business like myself super happy to be able to provide this to my customers really helps of landing more gigs
Alex
January 5, 2026 -
Really went the extra mile to find the appropriate coverage for my business.
Daisy B
January 2, 2026 -
Canopy provided escatly what I neede to book the gig, and at a very affordable price.. Thank You!
Andy Anderson
December 22, 2025 -
Easy. Convenient. Trustworthy. Came thru in a moments notice
Eddie K
December 19, 2025 -
Affordable liability insurance for DJ's. Easy to set up and understand. I've been with them for several years and am happy with their service.
Peter Flessas
December 14, 2025 -
So easy to sign up. I hope I never have to use the insurance portion but most hotels require it for corporate gigs
Yuri Gonzalez
December 11, 2025 -
This company is great. They are very helpful and they have great prices for insurance options that cover what you need!
Jacob Serrano
December 6, 2025
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They provided clarity on the importance of insurance for a first time business owner in the cleaning space and provided clear insight next steps and options for coverage.
Evergreen Multiservices
February 2, 2026Extremely user friendly website, super affordable and very little time needed to apply.
Carl Sari
January 31, 2026Excellent company, Great service, the best!!!
Claudina Adams
January 15, 2026 -
Super affordable insurance for a small business like myself super happy to be able to provide this to my customers really helps of landing more gigs
Alex
January 5, 2026Really went the extra mile to find the appropriate coverage for my business.
Daisy B
January 2, 2026Canopy provided escatly what I neede to book the gig, and at a very affordable price.. Thank You!
Andy Anderson
December 22, 2025 -
Easy. Convenient. Trustworthy. Came thru in a moments notice
Eddie K
December 19, 2025Affordable liability insurance for DJ's. Easy to set up and understand. I've been with them for several years and am happy with their service.
Peter Flessas
December 14, 2025So easy to sign up. I hope I never have to use the insurance portion but most hotels require it for corporate gigs
Yuri Gonzalez
December 11, 2025 -
This company is great. They are very helpful and they have great prices for insurance options that cover what you need!
Jacob Serrano
December 6, 2025Great experience, quick and easy to understand with what I needed for my business. Highly recommend!
FrankLynn Rae
October 28, 2025Very helpful customer service! Prompt, punctual, effective! No bots or long waits to get assistance.
Maria Ciccone
October 19, 2025 -
Canopy insurance has made affordable, band insurance needed for major venues. Thank you for your fast and easy service Stan Zizka's Del Satins
stan zizka
October 5, 2025Getting a vendor policy was quick and fairly priced compared to other quotes.
Kristine Fullerton
October 3, 2025Thank you so much
Steve Monreal
July 11, 2025 -
I needed a portable policy as a yoga instructor. I found this company in an online search. Called and got details from them, was quite surprised at how affordable... Read More
Jamie Calaway
July 4, 2025Very easy & quick experience. We got insurance in no time with no hassle. Thank you!
Robert Earnest
July 4, 2025I am glad I went with them. I needed a last minute policy to cover an event I was doing and they had exactly what I needed at a... Read More
Deloris Pacheco
June 27, 2025 -
Very easy to renew policy
Elyce Nissinoff
June 18, 2025Representative Sarah was very helpful. Walked me through every step and not to mention the price even matched the service! Would recommend to any and everyone.
queenkiam
June 18, 2025Would have 5 starts, but not right now. This is the first time I have ever had to pay for an additional insured ever in 20 year's. They either have... Read More
Anthony Burgess
June 18, 2025 -
Very user friendly platform. Multiple options. Very good pricing. Needed liability insurance in order to secure a very good paying event for my solo tribute show. Was set up within... Read More
Michael Riley
June 18, 2025Needed DJ insurance for Memorial Day weekend & was squared away within an hour for 2 events! Highly recommend
Jay Solis
June 18, 2025What a lovely experience I had with Insurance Canopy! Easy and fast sign up, great policy, matches my needs as a self-employed business owner. Highly recommend!
Masha Rusanov
June 18, 2025 -
great little company, with fair pricing, for entertainers who need occasional coverage. however, they have long hold times to speak to an agent, and their customer service left a little something... Read More
Gretje Angell
June 18, 2025Provides event insurance at a very reasonable price compared to other companies. Easy to purchase and provide proof of insurance.
David Fox
May 18, 2025They can help.you with the right Insurance you need, and the lowest price
Alvaro Baltazar
May 18, 2025 -
everything is excellent
Radames Martinez
May 18, 2025Extremely affordable event insurance and an easy to work with system and team that will advise you every step of the way!
Ishan Arvin
May 18, 2025Affordable for dance & yoga folk. Thumbs up!
Maia Claire
May 18, 2025
Get customized flower shop insurance faster than a bouquet loses color. Insurance Canopy partners with Coterie Insurance to deliver simple, affordable coverage that keeps up with your creativity.
FAQs About Florist Insurance
Do Florists Need Insurance to Work Weddings and Events?
Most venues require proof of liability insurance before you can set up, and some have specific minimum coverage limits.
Even when it’s not required, working a wedding or special event means making expensive arrangements and adhering to specific timelines. If something goes wrong, your business can be held responsible — having the right coverage protects you and makes you easier to book.
What Does Florist Insurance Usually Cover?
Florist insurance typically includes general liability, professional liability, and business personal property to protect you against common claims. Depending on your business operations, you may also need coverage for spoilage, equipment breakdown, commercial auto, and workers compensation.
Does Florist Insurance Cover Flower Shops and Home-Based Florists?
Yes! Whether you run a brick-and-mortar flower shop or design exclusively out of a home studio, your coverage is tailored to how you work. A licensed agent can help you match coverage to your setup.
Does Florist Insurance Cover Damage to a Client’s Venue or Rented Event Space?
Yes, florist insurance can pay for damage you accidentally cause to a venue or rented space. For example, say your bouquet spills and stains flooring. A specific coverage under your general liability insurance called “damage to premises rented” can cover the repair costs, so they don’t all fall on your business.
What’s the Difference Between Florist Insurance and General Small Business Insurance?
General small business insurance covers broad risks that may apply to any business, but florist insurance is designed around the specific exposures you face running a flower business. From professional mistakes on orders to a refrigerator outage, your policy can be built to include coverages that a generic policy often won’t include.
Still have questions regarding our policies? Feel free to reach out to our licensed insurance agents. We are available Monday through Friday from 8am–8pm ET.
Insurance Canopy insures over 12,000 coaches, fitness instructors, and other wellness professionals. We
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