Curated coverage for floral businesses and flower vendors selling at events.
Florist insurance is a type of liability insurance for flower vendors and business owners designed to protect you from paying for third-party accidents. If someone slips at your flower stand or your floral arrangement causes damage to a venue, insurance can help cover the costs.
Designed for florists on-the-go, florist business insurance helps you meet common venue insurance requirements, whether you need vendor insurance for your farmers’ market booth or coverage for decorating at weddings and events.
Recommended for Flower Businesses
ACT Pro
365-day coverage
$31.59/Year
ACT Go
$49/Event
ACT Pro is made for full-time artists and crafters who want enhanced protection for their entire business. With additional liability coverage for your products included, optional add-ons, and monthly payments, create confidently knowing we’ve got your back.
Annual Policy Limits of Liability
Optional Add-Ons
Additional Tools, Supplies, & Inventory Coverage limits available up to $10,000/$50,000.
Cyber Liability Coverage available up to $100,000
Professional Liability is available through the user dashboard with upfront payment.
Pricing
(Or $279 per year)
Extends ACT Pro coverage to makers who sell more than 20% pre-made or non-handmade elements in their products (Or $379 per year)
Coverage for Beauty & Cosmetics, Soap, and Candle Makers
ACT Go is craft vendor insurance built for on-the-go hobbyists who need quick coverage at events. This flexible general liability policy is like a pop-up tent, working when and where you do — making it ideal if you only attend a couple of craft shows a year. Plus, enjoy the option to add coverage for your tools, supplies, and inventory in case of theft or damage while you’re on the go.
Short-Term Policy Limits of Liability
Optional Add-Ons
Additional Tools, Supplies, & Inventory Coverage limits available up to $2,000/$2,000.
Pricing
If you sell flowers, plants, or floral arrangements at markets, pop-ups, or special events, you need liability insurance.
From first snip to final sale, florist insurance is designed to cover you at flower bars, floral expos, weddings, and other events, such as:
Just as you handpick each stem for the perfect arrangement, the right florist insurance policy combines essential coverages to help protect your work. These include:
Get year-round protection starting at $31.59 per month with ACT Pro. Whether you’re doing pop-ups or providing centerpieces for events, this coverage is built to protect your business and your products from claims. Plus, you can tailor your policy with optional coverages like:
Need flower vendor insurance for a weekend event or a seasonal market? ACT Go starts at $49 per event for a budget-friendly way to meet coverage requirements and protect yourself from claims.
*Additional monthly coverages available only with ACT Pro. Theft & Damage Coverage is available on both plans.
Flowers mark life’s biggest moments, from weddings and celebrations to everyday gestures that mean more than words. Behind every bouquet is the business you’ve worked hard to build. Why let one mishap put it all at risk?
ACT helps protect floral businesses and flower vendors with coverage crafted for the way you operate, so you can grow and sell with confidence season after season.
A Certificate of Insurance (COI) is a document proving that a flower vendor has active liability insurance. It lets markets, venues, and event organizers know that you’re covered in case of accidental injury or property damage caused by your business.
Yes. With ACT, you can add unlimited additional insureds to your florist insurance policy at no extra cost. Venues, event hosts, and organizers often ask florists to add them as additional insureds for protection from claims caused by your business activities.
Yes. Many farmers’ markets require flower vendors to carry liability insurance and provide a Certificate of Insurance (COI) before selling. Get the coverage you need with a 90-day ACT Go policy for outdoor, seasonal markets, or an ACT Pro policy for year-round farmers’ markets.
Florist insurance can cover your flowers and supplies if your policy includes one or both of the following coverages:
If you have questions about purchasing florist business insurance, our team of licensed agents is available to help. Please give us a call at 844.520.6991.
