Florist Insurance in NYC, Nassau & Suffolk
Tailored Insurance for Flower Shops, Wedding Florists & Daily Delivery Services
Whether you operate a storefront flower shop, arrange wedding florals, or deliver bouquets across New York, your floral business needs protection built for your unique risks. At LIrisk, we specialize in insurance for florists in NYC, Long Island, and the surrounding areas.
Our florist insurance programs cover the essentials: your flowers, equipment, storefront, staff, and delivery operations. With access to A-rated carriers, we offer affordable, fast, and reliable coverage that meets venue requirements, vendor contracts, and local regulations.
Why New York Florists Choose LIRisk
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Specialized Coverage: Designed for florists and floral designers, including wedding and event businesses.
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Fast Certificates: Perfect for securing vendor contracts, venues, and seasonal markets.
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Coverage for Delivery & Transport Risks: Keep your flowers and business moving — even during peak season.
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Competitive Premiums: Flexible payment plans and access to Workers’ Comp discount programs.
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Local Expertise: We serve NYC, Long Island, and the surrounding areas.
Risk Management Support for Flower Shops
We offer more than just policies — we help you reduce claims and lower premiums with real-world loss control:
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Store safety checklists and incident logs
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Employee training tips for restocking and security
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Cyber and data breach prevention tips
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Backup power planning and refrigeration loss controls
Coverages for Florist Businesses
Business Property Insurance
Covers flower coolers, storage racks, displays, POS systems, equipment, and inventory from loss due to fire, theft, vandalism, or storms.
General Liability Insurance
Protects against third-party claims for bodily injury or property damage, from slip-and-fall incidents in your shop to damage during event setup.
Professional Liability (Errors & Omissions)
Covers claims related to missed deadlines, incorrect arrangements, or design errors that result in financial loss or unhappy clients.
Business Auto Insurance
Covers vehicles used for deliveries or mobile services, including employee use of personal vehicles for transporting flowers or supplies.
Business Income & Interruption
Replaces lost income and pays operating expenses if your shop is forced to close due to a covered loss, such as fire or an extended power outage.
Spoilage & Refrigeration Loss
Optional protection for perishable inventory — reimburses the value of flowers and materials lost due to cooler malfunction or utility failure.
Workers' Compensation
Required in NY if you have employees. Covers medical care and lost wages after workplace injuries like lifting strains, slips, or cuts.
Why New York Florists Trust LIrisk
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A-rated carriers with florist & event business programs
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Same-day COIs for markets, venues, and landlords
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Coverage for high-volume delivery operations
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Flexible payment plans & bundled coverage options
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Local knowledge of NYC, Nassau & Suffolk underwriting
Risk Management Support for Flower Shops
We go beyond the policy to help you reduce claims, prevent losses, and protect your margins:
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Storefront safety & incident checklists
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Cooler maintenance & spoilage prevention tools
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Credit card/POS system cyber protection tips
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Delivery and driving safety guidance
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Employee lifting and equipment handling training
Workers’ Compensation Insurance for Florists in NY
Protect your team with programs built for retail and delivery-based flower businesses.
Up to 25% Upfront Discounts
Annual Dividend Potential of 25–30%
Classification & Audit Support
Claims & Safety Support from NY Experts
25%
Up to 25% upfront discounts on workers’ comp premiums
25%
Annual Dividend Potential
FREE
Classification Guidance
FREE