Insurance for Florists

Flower Shop Insurance Keeps Your Business Growing

Hi, we're B2Z. We're built to be better for your floral business.

While you're spreading floral happiness, B2Z can give you the peace of mind of knowing your floral design business is fully insured. Here's how B2Z is different.

Your Business. Your Insurance. Your Way.

  • Get a coverage decision in minutes— not days or weeks
  • Shop and purchase at your convenience—not ours
  • B2Z’s Coverage Tune-Up—understand your coverage needs from the start
  • Customizable coverage—fully protect your unique business
  • Flexible—choose your coverage date and payment schedule
  • Hassle-Free Cancelation—save time by having us cancel your old policy

Since I'm working on updating my website to sell my crafts is time for some business insurance. I want to be covered if something happens...I feel really comfortable with the policy B2Z put together for me. I can afford this and it makes me feel confident about how I'm growing my business!

Justine M., Small Business Owner

Why do you need florist shop insurance?

An employee slips on a wet floor, equipment is stolen, or a customer dispute lawsuit could put your florist business at risk. This is where B2Z can help! We offer coverage that provides the financial support to repair or replace your equipment, and may reduce your costs for liability and other property claims depending on the coverage you choose.

What flower shop insurance coverage do you need?

There are a variety of coverage options available for florists and floral shops. We recommend these insurance options:

Business Owner's Policy (BOP)

A business owner’s policy is highly recommended for flower shop owners. BOP insurance combines commercial property with general liability in a single, cost-effective policy. Your building, inventory, and equipment are covered in the event of damage or loss. A BOP generally extends to cover property damage, loss from catastrophic events, and liability incidents like:

  1. A refrigeration unit fails, causing spoilage
  2. An unhappy bride complains about flower swaps
Workers’ Compensation Insurance

Required in most states, a workers’ compensation insurance policy (WC) covers flower shops and floral design businesses that have employees, even if they are part-time. This type of policy covers medical bills and partial missed wages for employees who are injured on the job. It also helps pay legal costs if lawsuits are filed by injured employees. WC can help if:

  1. A slick spot on the floor causes an employee to fall
  2. An employee cuts their hand when trimming roses

Hi, I'm your assistant Diya. Not sure what coverage your business needs? I can help.

Try B2Z's Coverage Tune-Up! Take our quick quiz and Diya will tell you the coverage that best fits your business.

We Know You Have Questions .... You Know We Have the Answers

  1. Q
    How do I get flower shop insurance?

    B2Z Insurance makes it easy! You provide some basic information about your florist business, and we determine if we can cover you. If you qualify for insurance from B2Z, we put together a policy (or several policies) that meet your needs. After choosing your coverage limits and payment schedule, complete your purchase entirely online—at any time, from anywhere.

  2. Q
    How much does florist business insurance cost?

    B2Z policies are affordable, but insurance does not have a fixed cost that we can provide here. Your policy cost is based on your location, the size of your business (revenue, number of employees, payroll cost) and your coverage requirements. For a quick quote, please click on the button below.

  3. Q
    How do I cancel my old insurance policy?

    Leave it to B2Z! We can cancel your old policy for you when you opt in to our included hassle-free cancelation service during your purchase.

Get your floral shop insurance quote now! Click the button, answer a few questions, and customize your coverage in minutes.