colorful flower bouquet on white wooden background

Florida Workers’ Compensation Insurance for Florists

Name: Workers' Compensation Insurance for Florists in Florida
Brand: Kickstand Insurance
Rating: 5 (37 reviews)

Policies for Flower Shops and Event Florists

Get an Instant Quote



Why do Florists in Florida need
Workers' Compensation Insurance?

Comply with state laws

Avoid fines

Protect your employees

Protection from lawsuits

...'cause they can get hurt

Running a florist shop in Florida is rewarding but comes with unique risks, from repetitive motion injuries to handling heavy floral arrangements. Workers' comp insurance protects your employees and shields your business from costly medical claims.

Common Florist injuries

Pollen allergies - Prolonged exposure can trigger respiratory or skin reactions
Slips and falls - From wet floors from watering plants
Cuts - Handling sharp tools can lead to hand wounds
Strains - From lifting heavy floral arrangements
Repetitive motion injuries - Repeated tasks like arranging flowers can cause muscle strain

Workers' Comp for Florists in Florida: Legal Requirements

In Florida, florists with four or more employees are required to carry workers' compensation insurance. Failure to comply can lead to severe penalties, including fines and stop-work orders. Learn more about Florida Workers’ Compensation Rules here.

Common types of Florist workers we can insure in Florida

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 provides protection to both the employer and the injured worker. Like other types of insurance, it’s there to help in the event of an incident.

If a worker gets hurt on the job, the insurance company will help pay for the costs associated with their care so the worker is provided for until they return to work.

Since the company had an active workers' comp policy, they are not responsible for paying the medical bills.

What will Florist Workers' Comp Insurance pay for?

Medical expenses
Rehab and therapy costs
A percentage of lost wages
Disability benefits
Funeral cost

How much does Workers' Comp Insurance
for Florists in Florida cost per month?

Florist workers' compensation costs roughly $61 per employee monthly in Florida, with rates at $2.19 per $100 of payroll, plus taxes and fees. Find out more information about Workers’ Comp Rates for Florists.

What's the cost based on?

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

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 Florida Florist

Here are the main categories for classifying injuries 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

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

How to get Workers' Comp Insurance in Florida

Getting workers' comp insurance in Florida is a straightforward process. Business owners can purchase coverage through any licensed insurance agent operating within the state.

However, not all agents offer workers' comp insurance, so it's essential to compare potential policies to ensure you're getting the right coverage for your Florist business.

Kickstand Insurance offers a streamlined process to help you compare quotes and choose a policy that fits your business needs. Start by filling out our Instant Quote form for a fast estimate.

Get an Instant Quote Today!

Ensure your company is fully protected. Get a hassle-free workers' comp quote in just 10 minutes with Kickstand Insurance and protect your business, your employees, and your bottom line.

Start an instant quote now

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
If your payroll is more than was estimated at the beginning of the policy, it will be discovered at audit and you will be billed for the difference.

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. It can even help keep your costs down!

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 in Florida

Do I need to include cash-paid employees in my workers' comp policy?

Yes, all employees—regardless of payment method—must be covered.

Are employees covered by workers' comp if they travel to event venues to set up?

Yes, workers' comp covers employees who travel to event venues for setup. Just let your insurance company know about the travel part of your business to make sure everything is classified correctly.

It’s also a good idea to keep vehicles well-maintained and check driving records to reduce travel risks.

Looking for Workers' Compensation Insurance for Florists?
Get a hassle-free instant quote & get coverage in under 10 minutes.

Get my Quote

Learn more about Florist Insurance

a florist standing outside a flower shop, surrounded by colorful flowers

Workers' Compensation Insurance for Florist Cost | 2025

Workers' Comp Code for Florist Shop: A Complete Guide

a florist arranging a bouquet of fresh flowers for a client

How We Saved a NJ Florist $4,535 on Workers’ Comp

Why use Kickstand to
get workers' comp insurance?

Speed + Service + Experts

Document with workers' comp for florists insurance quote surrounded by insurance icons

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

    

Excellent 5 stars

Get Workers’ Compensation for Florists today!

It’s time to get the coverage you need. Just complete our simple online form and we’ll get you a no-obligation quote and connect with one of our expert agents. It’s that simple!

Get my Quote



The Ultimate Guide to Workers' Comp Insurance

A Step-by-Step Handbook for Small Businesses - you don't want to skip this!

Thank you! Your submission has been received!

Oops! Something went wrong while submitting the form.

By entering your email, you agree to our Privacy Policy.

The information on this website is not intended to serve as insurance advice. All content provided is for general informational purposes only.
For advice tailored to your business insurance requirements, fill out our online application and speak with one of our licensed insurance professionals.