Fresh flowers, on time and insured.
Property, cooler breakdown and spoilage, delivery auto, general liability and workers' comp for retail florists, event florists and interior plant services.
By Sam Alishahi · CA Insurance License #4348151 · Reviewed October 2026 · How this page is researched
Coolers, vans and wedding dates
A florist's inventory lives in a walk-in cooler, so a compressor failure or power outage can wipe out a week's stock right before a holiday. Delivery vans are on the road all day, and event work puts your staff on ladders inside someone else's venue.
I build florist coverage around the cooler, the vehicles and the events: property with equipment breakdown and spoilage, commercial auto for the vans, and general liability that meets venue requirements.
- SpoilageFlowers lost when the cooler or power fails.
- Equipment breakdownWalk-in coolers and compressors.
- Commercial autoDelivery vans, plus staff cars used for runs.
- General liabilityVenue damage and customer injuries.
What underwriters will ask
Having these ready means I can go to market on the first call. The quote form asks for the same things, and anything you don’t know yet can wait.
- Shop: address and square footage.
- Cooler: walk-in size, age and any backup power.
- Deliveries: vehicles and who drives them.
- Events: venues, installs, ladders or rigging.
- Sales and payroll: annual figures.
- History: current policies and claims.
Florist insurance, answered
Is a cooler failure covered?
Equipment breakdown can pay for the repair and spoilage coverage for the flowers lost, when both are on the policy and subject to its terms.
Do I need commercial auto for my delivery van?
Usually. A personal auto policy may exclude a vehicle used mainly for business deliveries.
What if employees deliver in their own cars?
Hired and non-owned auto can cover your business's liability when staff use personal cars for runs. Their own policy usually pays first.
Do venues ask for a certificate?
Most do, often naming the venue as additional insured for set-up and tear-down days.
Do you offer florist insurance outside California?
Yes. Clients across the country send the same quote form. Sam Alishahi is licensed in 48 states and Washington, DC and places policies there directly. In Florida and Washington, where Sam's licenses are still being issued, a partner agency in your state helps in the meantime. The shopping across carriers works the same way. Rules, minimums and markets differ by state — see insurance requirements by state.
Official sources
Send the shop and the vans. I'll shop it.
Address, delivery vehicles and cooler size are enough to start.
Alishahi Insurance · Saman Alishahi, independent insurance broker, California License #4348151. General information, not a quote or a promise of coverage; coverage depends on underwriting and the terms, conditions and exclusions of the policy actually issued.
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(877) 711-4545Answered 24/7 · CA License #4348151
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