What Kind of Insurance Do I Need for a Florist Shop?
- Nate Jones, CPCU, ARM, CLCS, AU
- Sep 11
- 3 min read
Running a florist shop is a beautiful business—but like any small business, it comes with risks. Whether you're arranging flowers for weddings, funerals, corporate events, or retail customers, having the right insurance coverage is essential to protect your shop, your team, and your profits.
At Wexford Insurance, we specialize in helping floral businesses get the coverage they need with tailored florist shop insurance. In this guide, we’ll walk you through the types of insurance every florist should consider, and how each one helps safeguard your business.
Florist shops face unique risks:
Water damage from coolers or leaks
Accidents during deliveries
Injuries to customers or staff
Theft or damage to tools and inventory
Business interruptions due to fire or equipment failure
Having the right insurance means you can focus on growing your business—without worrying about unexpected setbacks.
Essential Insurance Coverages for Florist Shops
Protects your business if a customer is injured in your shop or if you accidentally damage someone’s property during a delivery or event setup.
Covers legal fees, settlements, and medical costs
Often required for vendor contracts and event venues
Covers your physical shop, floral inventory, refrigeration units, and equipment in case of fire, theft, vandalism, or natural disasters.
Includes coverage for fixtures, signage, and furniture
Can be extended to cover outdoor displays or signage
This coverage protects the tools and equipment you use daily—like floral shears, refrigeration units, delivery carts, and POS systems—from theft, loss, or accidental damage.
Covers both owned and leased equipment
Applies whether tools are stored in your shop or used off-site at events
Helps you recover quickly without major financial setbacks
Required in most states if you have employees. Covers medical expenses and lost wages if a staff member is injured on the job.
Includes coverage for delivery drivers, designers, and shop assistants
Helps you stay compliant with labor laws
If you use a vehicle for deliveries, this coverage protects against accidents, theft, and damage.
Covers your van or car used for transporting flowers
Includes liability for accidents involving third parties
Why Choose Wexford Insurance for Your Florist Shop?
At Wexford Insurance, we’re not a generic insurance provider—we’re a niche-focused agency that understands the unique needs of florist businesses. Whether you’re arranging flowers for weddings, managing retail customers, or offering delivery services, we help you find coverage that fits your operations and budget.
Here’s why florists trust Wexford Insurance:
✅ Industry Expertise – We specialize in small business and retail insurance, with programs tailored for florists.
✅ Customized Coverage – We work with top insurance carriers to build policies that match your shop’s size, services, and risk profile.
✅ Dedicated Support – Our team helps you understand your coverage, stay compliant, and file claims quickly when needed.
Final Thoughts
Insurance isn’t just a safety net—it’s a smart investment in your florist shop’s future. From customer injuries to delivery accidents and unexpected closures, the right coverage helps you stay protected and profitable.
At Wexford Insurance, we understand the floral industry and offer insurance programs designed specifically for florist businesses. Whether you're just starting out or expanding your shop, we’re here to help you get the coverage you need.
👉 Contact Wexford Insurance today to get a customized florist insurance quote.
