NAICS UNIVERSITY · Free research for insurance agents
Florists
NAICS 459310 · United States · 2022 edition
This industry comprises establishments generally known as florists primarily engaged in retailing cut flowers, floral arrangements, and potted plants grown elsewhere. These establishments may prepare the arrangements they sell.
Start the review with perishable inventory.
For Florists, the saved research highlights perishable inventory, premises liability, delivery operations. Confirm how these arise in the actual operation, what controls are used and whether additional services change the proposed coverage.
Questions to ask
- Does the shop own delivery vehicles, or do employees use personal vehicles for deliveries — and if personal vehicles, how often?
- How many refrigerated cooler units are in use, and how old is the equipment?
- What is the peak inventory value, particularly around Valentine's Day and Mother's Day — and does that differ significantly from the average?
- Does the shop provide floral services for weddings or large events, and what share of revenue does that represent?
- Is any plant material grown on the premises, or is all inventory purchased wholesale?
- Are there any employees, and what tasks do they perform — delivery, arrangement, counter sales?
- Has the shop had any prior losses related to spoilage, equipment breakdown, or delivery incidents?
- Does the shop handle significant cash transactions, and are there safeguards in place?
Activities described by this code
Other activities to examine
- Retailing flowers or nursery stock grown on premises: 11142 — Nursery and Floriculture Production;
- Retailing trees, shrubs, plants, seeds, bulbs, and sod grown elsewhere: 444240 — Nursery, Garden Center, and Farm Supply Retailers
Census classification reference
For educational purposes only. AI-generated insurance research and automated logic can contain errors. Independently verify classification and coverage decisions.
Compare another operationInsurance operations research — draft
Retail florists purchase cut flowers, potted plants, and floral supplies wholesale, then arrange and sell them from a fixed shop location. Work includes designing custom and pre-made floral arrangements, maintaining refrigerated coolers for perishable inventory, and often providing local delivery to homes, hospitals, funeral homes, and event venues. Many shops also carry gift items, balloons, and seasonal décor.
Questions to investigate
- Does the shop own delivery vehicles, or do employees use personal vehicles for deliveries — and if personal vehicles, how often?
- How many refrigerated cooler units are in use, and how old is the equipment?
- What is the peak inventory value, particularly around Valentine's Day and Mother's Day — and does that differ significantly from the average?
- Does the shop provide floral services for weddings or large events, and what share of revenue does that represent?
This insurance research was generated in April 2026. It has not received a complete human review. The October 12, 2026 audit checked codes and titles only, not descriptions or coverage assertions.