Comply with state laws
Avoid fines
Protect your employees
Protection from lawsuits
...'cause they can get hurt
Florists in Texas bring beauty to life every day, but the job isn’t without risks. From handling sharp tools to heavy lifting during event setups, accidents can happen. Workers’ comp insurance covers medical costs and lost wages if injuries occur, helping to protect your team and your business. Whether you’re a small flower shop or managing large-scale floral installations, workers' comp gives you peace of mind to focus on growing your business and delivering joy to your customers.
In Texas, florists are not required to carry workers’ compensation insurance. However, many floral businesses choose to provide coverage to protect their employees and reduce potential financial and legal risks for the business.
If a florist opts out of workers’ comp, it must file a DWC Form-005 annually to notify the Division of Workers’ Compensation of its non-subscriber status and report all workplace injuries or illnesses. Failure to comply with these requirements can lead to penalties and increased liability risks.
For more details, visit Workers’ Compensation Insurance Texas.
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.
Here are the main categories for classifying injuries in the floral industry. For more details, visit our guide - Workers’ Comp Class Codes for Florists.
8017 - Florist Store
8017 - Event Florists
8017 - Flower, Nursery Stock, and Florists' Supplies Merchant Wholesalers
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.
In Texas, workers' comp isn’t required, but if you carry it, employees traveling for work—like setting up at event venues—can be covered. Be sure to let your insurance company know about the travel aspect of your business to ensure everything is classified properly. To minimize risks, keep vehicles in good condition and review driving records regularly.
While workers' comp isn’t mandatory in Texas, if you hire freelance or 1099 event staff who don’t carry their own coverage, you could be on the hook for any injuries they sustain while working for you. Always collect Certificates of Insurance (COIs) from freelancers or consider adding them to your policy for peace of mind.
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