Business insurance for florists

Help protect your florist business and assets with coverage options to help meet 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 want. Then we’ll help you customize them to fit your unique business. The result? A policy with the coverages you want at an affordable price for you.
  • 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.

Employers’ non-owned and hired car

If your business uses hired, leased or loaned vehicles on a short-term basis, or if employees use their vehicles for your business, you may want to consider employers’ non-owned and hired car coverages. Talk to a local agent about available coverage options in your state.

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.

We’re in the business of helping your small business

Since 1935, State Farm has been helping small business owners manage risk, plan for the future and protect what they’ve built.
agent-know-how

Agent know-how

State Farm agents are small business owners too. They understand what it takes to run a business and are ready to help you set up for success.

customizable-insurance

Customizable insurance

State Farm offers a wide variety of coverage options that you can tailor to help fit your unique business needs. You can choose the right coverage at the right price for you.

exceptional-service

Personalized service

Your local State Farm agent is ready to help your business grow and thrive with good neighbor service you can count on no matter what.

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.

State Farm (including State Farm Mutual Automobile Insurance Company and its subsidiaries and affiliates) is not responsible for, and does not endorse or approve, either implicitly or explicitly, the content of any third party sites hyperlinked from this page. State Farm has no discretion to alter, update, or control the content on the hyperlinked, third party site. Access to third party sites is at the user's own risk, is being provided for informational purposes only and is not a solicitation to buy or sell any of the products which may be referenced on such third party sites.

Life Insurance and annuities are issued by State Farm Life Insurance Company. (Not Licensed in MA, NY, and WI) State Farm Life and Accident Assurance Company (Licensed in New York and Wisconsin) Home Office, Bloomington, Illinois.

  • State Farm Mutual Automobile Insurance Company
  • State Farm Indemnity Company
  • Bloomington, IL
  • State Farm County Mutual Insurance Company of Texas
  • Richardson, TX
  • State Farm Fire and Casualty Company
  • State Farm General Insurance Company
  • Bloomington, IL
  • State Farm Fire and Casualty Company
  • Tallahassee, FL
  • State Farm Lloyds
  • Richardson, TX
  • State Farm Life Insurance Company (Not licensed in MA, NY or WI)
  • State Farm Life and Accident Assurance Company (Licensed in NY and WI)
  • Bloomington, IL