Business insurance for florists

Protect your florist business and assets with insurance that’s custom-arranged to suit your needs.

Why you could need florists insurance

Whatever occasions you provide flowers for – weddings, Valentine’s Day, birthdays, funerals – certain risks are bound to spring up. Let State Farm® help you build an insurance policy that protects your florist business and its assets while you focus on making it grow.
  • You keep your shop clean and tidy. But wet floors are accidents waiting to happen. A small puddle can quickly turn into a trip to the ER for an employee or customer.
  • Your refrigeration may be in tip-top shape, but it’s no match for a power outage. Newsflash – heat, and flowers don’t mix.
  • Your arrangements are perfect, and the driver left in plenty of time for your customer’s event. Too bad that random tractor-trailer picked today to side-swipe your delivery van.

Florists coverages include

We’ll start with a package of coverages most florists need. Then we’ll help you customize them to fit your unique business. The result? A policy that keeps you properly covered at a surprisingly great rate.
  • Property insurance helps cover your shop, its contents, equipment, and inventory from a covered incident.
  • Liability insurance helps protect you from covered claims and lawsuits arising from property damage and bodily injury.
  • Seasonal increase is additional coverage for your business personal property during peak seasons.
  • Accounts receivable coverage helps if you can’t bill your customers because of damage to your accounts receivable records.
  • Spoilage coverage helps if you lose your floral inventory because of mechanical breakdowns, power outages, or refrigerant contamination.
  • Equipment breakdown coverage can help pay for covered equipment if it breaks down or is damaged by covered claims.
  • Employee dishonesty coverage helps protect you from direct physical loss to business personal property because of employees’ dishonest acts.
  • Utility interruption loss of income coverage helps protect you if you can’t operate because of an interruption in communications, water, natural gas, or electrical service.

Consider adding additional coverages

Some florists need additional coverage to deal with increased risk. Not a problem because your State Farm agent will work with you to understand and help meet your needs.

Commercial auto

Commercial auto covers the cars, trucks, vans, and other vehicles used for business. If you have multiple vehicles, talk to a local agent about available options.

Commercial liability umbrella policy

Commercial liability umbrella policy (CLUP) gives you an added measure of protection when your covered liability losses exceed your policy limits.

Workers' compensation

Workers’ compensation helps protect your crew against work-related injuries or illness. Requirements for workers’ comp vary by state.

Data compromise and identity restoration

Provides coverages that work together to help your business and you get back on track after a data breach occurs or if you, the business owner, becomes a victim of identity theft.

Rated “the best overall” insurance company for small business

We’re not ones to brag (okay maybe a little), but Investopedia recognized State Farm insurance as the top choice for small businesses 1 like yours. Here’s why:

Agent know-how

Our agents are business owners too. They understand the unique needs of small business owners.


Customizable insurance

We offer an array of coverage options that can be combined into one policy.


Exceptional service

Since 1935, we’ve been here to help small business.

Talk to a local State Farm agent

This is only a general description of coverages of the available types of business insurance and is not a statement of contract. Details of coverage, limits, or services may not be available for all business and vary in some states. All coverages are subject to the terms, provisions, exclusions, and conditions in the policy itself and in any endorsements. Contact a State Farm agent for more information and a customized quote.

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