CASURANCE× TRAVELERS COMMERCIAL
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RetailSIC 5992

Florist Insurance in California

Insurance for florists, flower shops, and floral design businesses including delivery operations.

Florist Insurance - Travelers commercial insurance coverage

Common Risks & Exposures for Florist

  • Delivery vehicle accidents
  • Spoilage and inventory loss claims
  • Slip-and-fall from wet floors near coolers
  • Allergic reaction claims from floral products
Florist Insurance on the job

Coverage Options for Florist

Florists are a preferred Travelers BOP class. Delivery vehicles should be scheduled on commercial auto.

Business Owners Policy

Bundles general liability and commercial property into a single, typically lower-cost policy for smaller and mid-sized operations.

General Liability

Protects against third-party claims of bodily injury, property damage, and advertising injury arising from your operations — the foundation of most commercial policies.

Workers Compensation

Covers medical costs and lost wages for employees injured on the job, and is required in California for nearly every business with employees.

Commercial Auto

Covers owned, leased, or hired vehicles used for business purposes, including liability and physical damage from accidents.

Lease, Vendor & Compliance Requirements

Certificate of Insurance naming your landlord as additional insured, as required by most commercial leases
Business personal property and inventory values documented for accurate coverage limits
Point-of-sale and security system information on file, which can influence theft coverage and pricing
Vendor or supplier contracts reviewed for indemnification and product liability allocation
Seasonal inventory fluctuations reported so property limits stay adequate year-round

What Underwriters Ask About Florist

These are the main quote factors Travelers underwriters typically review for this class:

  • Annual revenue
  • Delivery fleet size
  • Event/wedding floral percentage
  • Refrigerated storage value

Have an Expiring Policy or Loss Runs?

Upload your current declarations page, loss runs, or CSLB/license documentation with your quote request and we'll factor them into your florist quote — often speeding up turnaround time.

Frequently Asked Questions

Related Retail Classes

Clothing Store InsuranceBeauty Supply Store InsuranceElectronics Retailer InsuranceFurniture Store InsuranceJewelry Store InsuranceSporting Goods Store Insurance

Get a Florist Insurance Quote

Tell us about your business and Casurance can help you review Travelers coverage options for florist.

Coverage described on this page may help address certain risks common to this class, subject to policy terms, exclusions, and underwriting approval. Availability and pricing are not guaranteed and are determined by Travelers underwriting. This page is for informational purposes and is not an offer of coverage.

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Casurance Insurance Agency is an independent insurance agency. This website is not owned or operated by Travelers. Travelers and the Travelers umbrella logo are registered trademarks of The Travelers Indemnity Company. Coverage availability, pricing, eligibility, and terms are subject to underwriting approval, policy provisions, and state availability.