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

Florists Insurance is recommended for:

  1. Retail Florists

  2. Independent Florists

  1. Wholesale Florists

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.

Let’s get you started with a quote

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

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.

TD Insurance Savings Commitment

Along with customizing a policy to fit your business's needs, TD Insurance is committed to savings. We may be able to offer you additional discounts – speak to a licensed TD Insurance Advisor today.

  • Bundle your small business insurance policies and save

  • Alumni and Professional Group Discounts1

  • Discounts for TD Small Business Banking Customers2

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

  • 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
  • Explore other small business industries

    We offer customized coverage for many professions and industries. Learn more about how to protect your unique small business with TD Insurance.