Retail & E-commerce

Florist Insurance in Ontario

Fresh product, tight deadlines, full coverage.

Floristry is perishable retail with deadlines attached: cooler failures, delivery vehicles on wedding-day schedules, and event installs in venues that require certificates.

We cover flower shops and studio florists with spoilage, delivery, and event work included.

What the package includes

Commercial general liability (CGL) for third-party injury and property damage
Contents and stock coverage for inventory, furnishings, and supplies
Spoilage coverage for refrigerated stock
Commercial auto for business vehicles
Event liability, including set-up and tear-down days

Good to know

Frequently asked questions

Am I covered installing flowers at a wedding venue?: With off-premises work declared, yes — installs, arches, and teardown are covered, and we can name venues as additional insured per event, which most now require.
How much does florist insurance cost in Ontario?: Premiums depend on your revenue, team size, services, and claims history — many small operations pay a few hundred dollars a year for core liability coverage. As an independent brokerage we compare our full panel of insurers for the exact mix of coverage your business needs, so you only pay for protection that fits.
How do I get florist insurance quotes?: Request a quote online in about two minutes, or call us. Tell us what your business does and we'll shop the market — you'll get one advisor, the best available rate, and a certificate of insurance as soon as you're bound.

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Automotive Business & Professional Services Construction & Contractors Education & Organizations Hospitality & Lodging Manufacturing & Wholesaling Realty Retail Warehousing Transportation & Logistics

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Frequently asked questions

Am I covered installing flowers at a wedding venue?

With off-premises work declared, yes — installs, arches, and teardown are covered, and we can name venues as additional insured per event, which most now require.

How much does florist insurance cost in Ontario?

Premiums depend on your revenue, team size, services, and claims history — many small operations pay a few hundred dollars a year for core liability coverage. As an independent brokerage we compare our full panel of insurers for the exact mix of coverage your business needs, so you only pay for protection that fits.

How do I get florist insurance quotes?

Request a quote online in about two minutes, or call us. Tell us what your business does and we'll shop the market — you'll get one advisor, the best available rate, and a certificate of insurance as soon as you're bound.