Workers' Compensation Insurance for Florists

Policies for Flower Shops and Event Florists

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Why do Florists need
Workers' Compensation Insurance?

Comply with state laws

Avoid fines

Protect your employees

Protection from lawsuits

...'cause they can get hurt

Florists handle delicate arrangements, sharp tools, and heavy lifting. Slips, cuts, and strains are common risks in this creative field. Workers’ comp ensures your team is covered for medical costs and lost wages, keeping your business thriving through every season.

Common Florist injuries

Cuts and lacerations – Handling sharp tools like scissors or knives can injure hands
Repetitive strain injuries – Arranging flowers or lifting pots repeatedly strains muscles
Slips and falls – Wet floors from watering plants increase trip hazards
Allergies – Prolonged exposure to pollen can trigger respiratory or skin reactions
Back strains – Carrying heavy floral arrangements or supplies can cause injuries

Common types of Florist workers we can insure

Event Florists

Florist Shops

Retail Florists

Wholesale Flower Distributors

Don't see your business classification?
‍We're here to help. Call 866-338-8823.

What type of injuries does
Workers' Comp Insurance cover?

Workers' comp insurance covers both the employer and the injured worker. Like all types of insurance, it acts as a safety net in case of an accident.

If a worker gets hurt on the job, the insurance company will help cover the costs associated with their care so the worker is well taken care of until they return to work.

Since the company had an active Florist workers' comp policy, they do not need to pay anything towards the bills.

Workers' comp insurance covers both the employer and the injured worker. Like all types of insurance, it acts as a safety net in case of an accident.

If a worker gets hurt on the job, the insurance company will help cover the costs associated with their care so the worker is well taken care of until they return to work.

Since the company had a workers' comp policy, they do not need to pay anything towards the bills.

What will Florist Workers' Comp Insurance pay for?

Medical bills
Rehab and therapy expenses
Lost wages and disability benefits
Funeral cost

How much does Workers' Comp Insurance
for Florists cost?

Florist workers' compensation costs roughly $61 per employee monthly in 2025. This is based on $2.19 per $100 of payroll. Find more information by reading Workers’ Comp Rates for Florists 2025.

What's the cost based on?

The National Council of Compensation Insurance (NCCI) sets a fixed rate for every industry.

The rate is based on the level of risk for that job description.

Premiums are primarily calculated by using your payroll numbers and your NCCI class code.

Common Classifications for Florist

Here are the main categories for classifying workers in the floral industry. For more details, visit our guide: Workers’ Comp Class Codes for Florists.

8001 - Retail Florists

8001 - Event Florists

8001 - Florist Drivers

8001 - Flower, Nursery Stock, and Florists' Supplies Merchant Wholesalers

0919 - Florists (PA and DE)

8017 - Florists (Texas)

Don't see your business classification?
We're here to help. Call 866-338-8823.

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Helpful tips to save money

Choosing florist workers' comp insurance services may sound simple, but doing it wrong can be very costly.

Here’s how to save money:

Classify your workers correctlyFor example - Employees who do clerical work have a different code (8810). Lumping them together with manual labors will increase your premium.

Don't underestimate your payroll
You will be expected to pay the difference at the end of the policy.

Have a clear process to report claims
...and make sure your employees know about it. This will make the entire experience easier for all involved.

Report every incident- even if it didn't result in a large injury. Some things which seem insignificant can snowball into costly issues.

Prepare for your audit Every policy is audited at the end of 12 months. Keep your payroll records and files neat so you don't have issues later! Our Florist Workers’ Compensation Audit Checklist can help.

Prepare for your audit Every policy is audited at the end of 12 months. Keep your payroll records and files neat so you don't have issues later! A Florist Workers’ Compensation Audit Checklist can help.

FAQ's on Workers' Comp for Florists

How quickly can I get my certificate of insurance?

‍We usually issue certificates 24 hours after the policy is bound.
Let us know if you need it quicker and we will rush it.

Are cash-paid employees required to be included in my workers' comp policy?

Yes, all employees, regardless of how they’re paid, must be covered.

Our floral shop sometimes does landscaping jobs. How should workers be classified?

Workers who do landscaping must be classified at the higher landscaping rate unless detailed job records are kept. With records, the florist rate can apply except for the periods they work on landscaping.

State laws on Workers' Comp for Florists

Workers' compensation is regulated at the state level, so rules and penalties vary by state.

For example, New Jersey requires coverage for any business with one employee. Florida, on the other hand, requires it for general businesses with four or more employees and construction companies with even one employee.

If you’re an employer, you should research the specific laws in your state to ensure you’re complying with workers' comp requirements.
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Choose your state from the dropdown to learn more.

Need other types of insurance for Florists?

Yes, we can help with that too!

Learn more about Florist Insurance

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Workers' Compensation Insurance for Florist Cost | 2025

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Why use Kickstand to
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Unlike other online insta-quote systems,
here your quote is reviewed by experts

Why does it matter?

Avoid surprise bills at audit
Make sure all your employees are properly covered
Protect yourself from lawsuits

What do we check?

Business categorized correctly
Employees job roles
Special discount opportunities

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The information on this website is not intended to serve as insurance advice. All content provided is for general informational purposes only.
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