Small Business Insurance for Florists

As a florist, we understand you want to keep your customers happy by designing floral arrangements that are simply stunning. However, running your business can expose you to a variety of risks. At TD Insurance, we can help you customize a policy to protect your flower shop, your bouquets, and your delivery van, so you can focus on what you do best.

Speak to a licensed TD Insurance Advisor 1-855-724-2883 

Why You Need Florist Small Business Insurance


  • Accidents happen

    Protection from lawsuits if a customer is injured in your flower shop.

  • Shield your vehicle

    Protection for your commercial vehicle(s) that transport flowers to your customers.

  • Protect your assets

    Coverage if your bouquets are damaged, or if your flower cooler breaks down.

  • Business Income / Business Interruption

    Financial coverage if your flower shop temporarily shuts down due to an insured event.

TD Insurance Savings Commitment

With TD Insurance for Business, only pay for the coverage you need. And now, you could get up to 15% in discounts on your Commercial Property & Liability policy – speak to a licensed TD Insurance Advisor today1.

  • Bundle and save

    Save 5% when you bundle your commercial property & liability with your commercial auto policy.1

  • Alumni & Professional savings

    Save 5% for eligible Alumni and Professional Groups.1

  • TD Customer Loyalty Discount

    Save 5% for being an existing TD customer.1

Florists Insurance is recommended for:

  1. Retail Florists

  2. Independent Florists

  1. Wholesale Florists

Let’s get you started with a quote

Coverage Options for Florists


It’s easy to choose the right coverage for your business with TD Insurance. We'll help build a customized insurance policy to fit your needs, so you'll be confident you're protected.

Claim Scenarios for Florists

Potential Claim:

While out for delivery, you are rear-ended at a stop light, which causes significant damage to your vehicle. While your vehicle is in for repairs, the additional coverage purchased (Loss of Use endorsement) provides coverage for the rental vehicle you require in order to continue making deliveries.

Potential Outcome:

Loss of Use Endorsement provides coverage for you when you need to pay for other means of transportation because of loss or damage to your automobile caused by an insured event.

Potential Claim:

A sudden plumbing rupture on your premises causes water damage to business contents and forces your business to close for a 2-week period.

Potential Outcome:

Your commercial property insurance may cover the cost to repair or replace damaged business contents. TD Insurance will assist you in getting your business up and running as quickly as possible, and if you have the added Business Income / Business Interruption coverage, we may cover actual income loss sustained for the period your business is temporarily shut down.

Need to make a claim?

Our TD Insurance Claims Advisors are ready to help make submitting a claim as easy as possible – we will support you throughout the entire process.

Call 1-855-724-2883 Call 1-855-724-2883

  • Get started with a quote online

    Get a customized quote for your business when you find the time, day or night. We know you are busy – let’s get you started right from where you are.

  • Insurance questions? Find the answers

    Can't find what you're looking for? Visit our TD Insurance Small Business FAQ page for additional help in answering your small business insurance-related questions.

  • Call us by Phone

    Licensed TD Insurance Advisors are ready to answer your questions and help you get started. Call us today.

    Mon-Fri 8am to 8pm
    Sat 9am to 4pm

    Call 1-855-724-2883 Call 1-855-724-2883

Have a question? Find answers here