Florist Insurance Coverage Checklist
The coverages a florist business may carry — core, prevalent, and situational — why each matters, and the gap most often missed.
Pull out your current policy and check the box next to any coverage you can confirm is already in place — anything unchecked is worth a quick conversation with your advisor. Coverage checklist for retail, wedding, and event florists. Priorities reflect typical exposure for this class; confirm against the shop's delivery setup and event work.
Tick each coverage you can confirm you carry — anything left unticked is a good question for your next policy review.
| Have it? | Coverage | Why this business needs it | Priority |
|---|---|---|---|
| Commercial Auto | Covers owned or leased delivery vans and their drivers. | Core | |
| Hired & Non-Owned Auto | Covers the shop when employees deliver in their own cars — personal auto usually excludes business use. | Core | |
| Commercial General Liability | Covers customer injuries and damage at venues from installations, arches, and deliveries. | Core | |
| Spoilage / Equipment Breakdown | Covers flowers lost when coolers fail or power goes out — especially costly at peak holidays. | Prevalent | |
| Business Personal Property (with Seasonal Increase) | Covers inventory, coolers, and fixtures, with higher limits during peak seasons. | Prevalent | |
| Professional Liability (Event E&O) | Covers claims that wedding or event flowers were wrong, late, or missing. | Situational | |
| Workers' Compensation | Required in most states with employees; knife cuts, lifting, and driving injuries are common. | Situational | |
| Business Income | Replaces income after a covered closure, especially before a major holiday. | Prevalent |
The coverage gap most often missed
The most commonly missed gap for this class is employees delivering in their own cars. Personal auto policies generally exclude business use, so when a driver causes an accident on a delivery, the shop can be named with no coverage in place unless it carries hired and non-owned auto. The risk multiplies at Valentine's Day and Mother's Day, when temporary drivers and tight schedules pile up. Event work is the second gap: arches and hanging installations are contractor-like work at someone else's venue, and venues look to the florist first.
Send us the checklist and we'll review your florist coverage line by line, then market it across multiple carriers that compete for your account.
Related: Florist Insurance · Florist Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does a florist business need?
The core coverages for a florist business are Commercial Auto, Hired & Non-Owned Auto, Commercial General Liability. This checklist also lists the prevalent and situational coverages worth considering, with a plain-English note on why each matters.
Is this checklist insurance advice?
No. It is a free educational tool to help you have a more informed conversation with a licensed professional. It affords no coverage and is not insurance, legal, or financial advice — only your actual policy language governs what is and isn't covered.
Can Cory Washington & Co. review my florist coverage?
Yes. Share your checklist and we'll review your program line by line, market your account across multiple carriers, and explain the trade-offs in plain English. Cory Washington & Co. LLC is licensed in all 50 states.
This checklist is a free educational tool from Cory Washington & Co. to help you review your own coverage and have a more informed conversation with a licensed insurance professional. It is general information only — not insurance, legal, or financial advice, and not a recommendation to buy, change, or cancel any policy. Coverage terms, availability, limits, and requirements vary by policy, carrier, and state, and only the language in your actual policy governs what is and isn’t covered. Checking or leaving blank any item above does not indicate that you are adequately insured or under-insured. Using this checklist does not create a client, agency, or fiduciary relationship. Always consult a licensed professional about your specific situation.