Assur360, an AMF-certified firm, supports florists, flower shops, floral event services and delivery companies throughout Quebec. Our brokers understand the specific risks of the business: perishable flowers, refrigeration breakdowns, daily deliveries, seasonal peaks on Valentine’s Day and Mother’s Day.
IN BRIEF
Insurance for florists
Florists manage a perishable inventory (cut flowers, plants, arrangements). A cold room failure during a long weekend can cause a total loss within 24-48 hours. A spoiler guarantee is essential.
Seasonal risk: Valentine’s Day, Mother’s Day and Christmas account for 40-60% of annual turnover. Discuss seasonal peak income loss coverage in the event of a loss during these periods.
TRADE SUBMISSION
Florist insurance Quebec 2026: boutique + delivery
RC, goods, perishables, delivery, seasonal inventory. 9+ insurers in 3 minutes.
Get my free quoteWhy insure your florist shop
A florist faces very specific risks that generic commercial insurance does not always cover: ultra-perishable inventory vulnerable to refrigeration breakdowns, seasonal peaks that multiply stocks by 5, daily deliveries that generate civil liability, event contracts with off-site installation. A single poorly covered Valentine’s Day weekend can cost tens of thousands.
Refrigeration failure
Risk n°1. A prolonged power outage or fridge break can destroy $5,000 to $30,000 worth of flowers in less than 24 hours. Perishable food coverage is essential.
Extreme seasonality
Valentine’s Day, Mother’s Day, Christmas: Your inventory can be 5x higher than average for a few days. The seasonal variation clause protects against the proportional rule.
Deliveries and events
Each delivery generates an exposure: damage to the customer, accident on the event site, slippery petals. Commercial liability with an offsite endorsement is critical.
Essential Covers for a Florist in Quebec
Commercial Liability $2M
Customer injuries, damage to customers during deliveries, damage to event sites. Off-site operations amendment required.
Goods + equipment
Building (if owned), refrigerators, displays, floristry tools, cash registers, computers. Recommended replacement cost.
Perishable Goods + Equipment Breakdown
Special coverage for the loss of fresh flower inventory in the event of a mechanical breakdown, prolonged power outage or refrigerator breakage.
Commercial car insurance delivery
Delivery vehicles (truck, van) with declared commercial use. Fleet possible if several vehicles.
Loss of seasonal income
Compensates for lost sales after a loss. Review before/during the peaks of Valentine’s Day and Mother’s Day.
Cyber and e-commerce
Transactional site, POS, customer data (credit cards). Recommended as soon as you take orders online.
Steps to get your florist quote
Fill out the online form
3 minutes: Area, inventory value (average and peaks), refrigeration equipment, delivery vehicles, event services, e-commerce.
A specialized trading broker contacts you
Our AMF-certified brokers know Quebec florists and retail businesses.
Comparison of 9+ commercial insurers
We solicit insurers who accept florists (Intact, Aviva, Northbridge, Wawanesa, Economical).
Sign and receive your certificates
Certificates for owner, creditor, event partners (hotels, venues) issued quickly.
Perishable Boards
Always add the Perishable Goods AND Equipment Breakdown Endorsement combined. Without equipment breakdown, the loss of flowers due to a fridge breakdown can be refused because it is considered a mechanical breakdown excluded from the standard policy.
Indicative Rates 2026 — Fleuriste Québec
| Type of florist | Area / Turnover | Estimated annual premium |
|---|---|---|
| Small Neighbourhood Florist | < 1,000 sq. ft. / Turnover < $300K$ | 1,800 – $3,000 |
| Medium florist + delivery | 1,000-2,500 sq. ft. / Turnover 300-800 k$ | 2,800 – $4,500 |
| Florist + Events (Weddings) | 1,500-3,000 sq. ft. / Turnover $500K-$1M | $3,800 – $5,500 |
| Large store + delivery fleet + e-commerce | 3,000+ sq. ft. / Turnover $1 million+ | $5,000 – $9,500 |
| High-end event florist + corporate | Multiple B2B contracts | $7,500 – $15,000 |
*Indicative rates 2026. Get your exact price in 3 minutes.
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Compare 9+ insurersWe cover florists throughout Quebec
Our AMF-certified brokers support florists in Montreal, Quebec City, Laval, Longueuil, Sherbrooke, Gatineau, Trois-Rivières and Saguenay. Traditional boutiques, event florists, corporate services, flower e-commerce, franchisees and independents.
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