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Florist Shop Insurance - Made Easy

Candidates Include:

  • Retail Florist w/ Storefront

  • Wedding & Events

  • Corporate & Hospitality

  • Wholesale Florist

Services Offered:

  • Retail Flower Sales

  • Wedding Flowers

  • Event Floral Design & Consult

  • Commercial Floral Design & Consult

  • Wholesale Flower Sales

  • Flower Delivery

Estimate Your Florist Shop Insurance

$250,000
$100,000
Estimated Monthly Premium
$49

* Same Day Proof of Insurance

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Business Insurance for Florists

Florist shop insurance helps protect your business from the financial risks that can come with daily operations. From floral inventory and refrigeration equipment to deliveries, customer interactions, and event work, there are many situations that can lead to unexpected claims.

Insurance package capabilities include:

General liability

Protection for common day-to-day risks, involving bodily injury and property damage to 3rd parties which arise from your operations.

Commercial property

Protection for your shop’s physical assets, including equipment, furniture, tools, and other property essential to your operation.

Commercial auto

Protection for vehicles used in your business, whether for mobile services, errands, deliveries, or other work-related driving.

Worker's compensation

Coverage that helps protect your team and your business if an employee suffers a work-related injury or illness.

Employee Benefits Liability

Protects you from Wrongful Termination, Discrimination, and Harassment law suits.

Personalized Protection Plans

We offer tailored florist shop insurance coverage with expert guidance to help protect your business.

Essential

$1,000,000 / $2,000,000 General Liability

 

$50,000 Contents Coverage

 

$100,000 Annual Sales

 

Tenant Improvements Included

 

Business Income Included

 

Products/Completed Operations

 

Damage to Rented Premises

 

$25,000 for Crime Coverage

 

EE Benefits Limit $25,000

 
$42
/ month

Preferred

$1,000,000 / $2,000,000 General Liability

 

$250,000 Annual Sales

 

$100,000 Contents Coverage

 

Tenant Improvements Included

 

Business Income Included

 

Products/Completed Operations

 

Damage to Rented Presises

 

$25,000 for Crime Coverage

 

EE Benefits Limit $25,000

 
$49
/ month
Most Popular

Premier

$1,000,000 / $2,000,000 General Liability

 

$350,000 Annual Sales

 

$200,000 Contents Coverage

 

Tenant Improvements Included

 

Business Income Included

 

Products/Completed Operations

 

Damage to Rented Premises

 

$25,000 for Crime Coverage

 

EE Benefits Limit $25,000

 
$55
/ month

Enterprise

$1,000,000 / $2,000,000 General Liability

 

$500,000 Annual Sales

 

$250,000 Contents Coverage

 

Tenant Improvements Included

 

Business Income Included

 

Products/Completed Operations

 

Damage to Rented Premises

 

$25,000 for Crime Coverage

 

EE Benefits Limit $25,000

 
$72
/ month

Accolades & Accomplishments

1000+

Small businesses protected

300+

5-star reviews

20+

Top carriers compared

3000+

Satisfied Clients

What Our Clients Say!

Read some of our Google reviews

"I would recommend to anyone"

"The whole team at Moheyer is incredibly helpful and quick to respond. They make working on your insurance policy changes very simple and efficient. I would advise anyone looking for insurance coverage to explore working with Moheyer ..."

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Jason Compton

5 months ago

"Saved me a lot of time"

"The service is great. They always find me the lowest rate for insurance. Saves me a lot of time and I’m so happy to have found them."

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Diane Johnson

2 months ago

"I've been over a decade with them"

"I've been with this insurance company for over a decade, and they just keep getting better..."

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Rob Wiley

5 months ago

"Best rates for our needs"

"We have used Moheyer Insurance for probably at least 15 years now. Each year they proactively strive to make sure we have the best rates for our needs. They are responsive and reliable. We highly recommend and see no reason to take our business anywhere else."

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Victoria Ames

9 months ago

"Answers almost immediately"

"Moheyer Insurance Advisors have been very responsive and have provided me with excellent customer service. I have been able to ask questions and receive answers almost immediately (usually within 5 minutes). They are a great company to work with."

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Judy Thomas

1 month ago

"Very good follow-up"

"Very good follow up. I used to own 3 agencies and these guys are on top of every request. Wasn't sure after I retired to find the same level of follow up."

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Brian McCoy

8 months ago

Insurance For Your Needs

At Moheyer Insurance, we offer affordable insurance plans with an easy application process and excellent customer service.

Affordable Coverage Plans

Protect your business with cost-effective insurance options tailored to your needs.

Hassle-Free Application

Enjoy a quick and simple process to get the coverage you need, with no stress, delays, or hassle.

Expert Customer Support

Our dedicated customer service team is always ready to assist you with any questions or concerns.

Frequently Asked Questions

Find answers to commonly asked questions about florist insurance and Moheyer Insurance's offerings.

What types of insurance does a florist shop need?

Most florist businesses need a combination of coverages depending on how they operate. Common policies include general liability, commercial property insurance, workers’ compensation if employees are involved, and commercial auto if deliveries are part of the business. Many florists also benefit from protection for inventory, equipment, and business interruption.

Who needs florist shop insurance?

Florist shop insurance can be important for retail flower shops, wedding florists, event florists, floral designers, and businesses that provide flower delivery services. Even a small shop can face risks involving customer injuries, damaged property, vehicle use, or business interruptions.

What does general liability insurance cover for a florist shop?

General liability insurance typically helps cover third-party claims involving bodily injury or property damage. For example, it may help if a customer slips in your shop or if your business is accused of damaging someone else’s property during a delivery or event setup.

Does florist insurance cover flowers, refrigeration, and equipment?

Commercial property coverage can help protect important business property such as coolers, shelving, floral tools, point-of-sale equipment, and other contents inside the shop. Because florists often rely on temperature-sensitive inventory and specialized equipment, having the right coverage in place is especially important. Our team helps make that easier by guiding you toward coverage options that fit your shop and the way your business operates.

How much does florist shop insurance cost?

The cost depends on your business, the type of coverage you choose, how much protection you want, and whether you have employees, vehicles or equipment. The good news is that coverage can often be tailored to fit your needs and budget. We can help you explore your options and find coverage that makes sense for your shop. Be sure to check out our pricing tool positioned on the first page.

Protect your business with affordable insurance coverage.

You work hard to deliver a great experience to your clients. Your insurance should work just as hard for you. With the right coverage in place, your business can be better protected against things like medical expenses, legal costs, and other covered claims.

Speak with an agent

or fill out this short form and we’ll be in touch.

• 16501 Northcross Drive, Suite D1, Huntersville, North Carolina 28078

© 2026 Moheyer Insurance

• 16501 Northcross Drive, Suite D1, Huntersville, North Carolina 28078

© 2026 Moheyer Insurance