Florist Insurance

Q: Do I need florist insurance?

Whether you sell flowers from your shop or arrange floral arrangements for corporate events and weddings there are risks which can be protected if you have the right insurance in place. For instance, wet floors from water spillages could cause a slip, glass breakages from vases could cause an injury, even certain flowers could cause staining on your customers clothing. A florist shop insurance package is something you should consider to protect against these types of risks. It’s there to protect your stock and equipment, customers, employees and legal liabilities as a flower shop owner.

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Insurance for flower shops & florists

Every business owner will appreciate that finding the time to arrange your insurance can be tough, particularly when running a flower shop.

That’s why we’ve made it easy for you to compare quotes online from a panel of the UK’s most trusted insurers to find the cover that’s right for your flower shop.

With so many options available, we offer the perfect solution to make arranging your florist insurance simple and hassle free. You can protect your business online in a matter of minutes if you don't need any advice from us or call to speak to our expert advisors who are on hand to offer advice and make professional recommendations based on your flower shop needs.

We are committed to finding you the right insurance for your florists at the right price, and we're on hand to support you for the duration of your policy.

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If you know the covers you require, it's quick & easy to compare shop insurance quotes from a selection of insurers on our website.

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Florist insurance cover in detail

What is florist insurance?

Florist and flower shop insurance protects you against a number of events that could lead to financial losses or claims being made against you. It’s designed to protect you and let you work without worry. Without the right cover in place, you could find yourself personally liable for business losses and third party claims.

Insurance covers to consider

When deciding what insurance and covers you need to protect your business, you should consider the following:

Public liability insurance

Public liability insurance is essential to protect you if your staff, suppliers and members of the public are accidentally injured or their property is accidentally damaged. Public liability insurance as part of your florist insurance policy can protect you if a client falls and injures themselves at your shop. It can cover any compensation awarded as a result, as well as any medical and legal costs incurred.

Employers' liability for florists

Employers' liability insurance covers you if your staff suffer in a similar instance. It’s a legal requirement to have this in place if you have full or part time staff, and can protect you up to a specified limit for an accidental injury happening at your place of business.

Property covers for florists

Florist insurance typically incorporates a number of covers designed to safeguard your business against the unexpected. Your assets should be a key consideration, to protect your business contents, stock and business buildings from damage that could be caused by theft, fire, storm or flood. We can even arrange cover to protect your business equipment whilst you’re out and about away from your business premises.

Business interruption

If you were to suffer damage at your premises as the result of a flood for example, you may find that you are unable to trade for some time while the building is restored. Having business interruption cover included in your florist insurance can ensure that should you suffer property damage, your gross profit and fixed expenses would be taken care of. You never know what is around the corner, and this cover could be the life saver of your business if something unexpected were to happen.

Commercial legal protection

Commercial legal protection can be included as part of your florist insurance. This offers cover for tax and VAT disputes, as well as employment disputes and compensation awards, and even jury service allowance if you, your business partners or employees are summoned.

Florist insurance FAQs

Do I need florist insurance?

Whether you sell flowers from your shop or make floral arrangements for corporate events and weddings there are risks which can be protected if you have the right insurance in place. For instance, wet floors from water spillages could cause a slip, glass breakages from vases could cause an injury, even certain flowers could cause staining on your customers clothing. A florist shop insurance package is something you should consider to protect against these types of risks. It’s there to protect your stock and equipment, customers, employees and legal liabilities as a flower shop owner.

What covers do florists need?

At Premierline, we can arrange flexible florists insurance policies that can be as simple or comprehensive as you need depending on your business requirements. There are a variety of insurance covers a florist should consider to protect their business and livelihood, just some of these are summarised below:

Florist public liability – for injured shop visitors or damage to their property.
Employers' liability – a legal requirement to protect your shop employees.
Product liability - in case your products cause injury or damage.
Shop contents and stock - to help you replace equipment and floristy stock.
Business interruption – to keep finances running when disaster strikes.
Money cover – for theft or attempted theft.
Goods in transit – to cover for loss or damage to stock when in transit, loading or unloading.
Commercial legal expenses – to cover the cost of legal expenses or defending your shop against legal action.
Buildings cover - to cover for loss or damage to your premises.
Commercial vehicle and mini fleet - to protect your vehicles, drivers and legal liabilities when on the road making flower deliveries.

More information

How much does florist insurance cost?

The cost of your florist insurance will depend on your business activities, for example do you deliver flowers locally or nationally? Do you supply and set up arrangements at other locations and events?

The policy cost will also depend on your business location and the amount and type of covers you require to protect your shop. Like any other insurance, generally the more cover you require the higher the premium.

The value you gain from having the right cover in place is a huge benefit to your business. A florist insurance policy is a product that you have paid for that you may never get to use, but also a product that you hope that you will never need to call on.

Why choose Premierline to arrange florist insurance?

Premierline has many years of experience arranging insurance solutions for independent florists. So, we arrange insurance for shops that’s designed to offer all the protection you need.

What will I need to know to complete my insurance quotation?

Try to have your existing insurance schedule and renewal notice available as this will give us the majority of the information that we will need. However, if you are a new business, don't worry - our business insurance advisors will be able to guide you through the process of understanding and identifying your insurance needs.

How soon will I get my policy documents?

We will email your policy documentation to you which means you will receive these straight away. Alternatively, if you would prefer your documents to be posted, you will normally receive them within 5 working days.

How do I pay for my policy?

You can pay annually using a credit/debit card or by making an electronic payment. Alternatively you can manage your payments through a monthly Direct Debit plan with our approved premium finance provider, Premium Credit Limited.

Why choose Premierline?

We're Shop Insurance Experts

We understand the nature of running your shop often leaves little time for much else. That’s why we work closely with some of the UK’s leading insurers to find the cover that’s right for you, making arranging your retail insurance simple and hassle-free. We’re committed to finding the right insurance solutions for your business to let you work without worry and focus on what really matters – your business.

Award winning service - We're trusted by thousands of SMEs across the UK
Comprehensive protection - We can help with all your commercial insurance needs
UK based experts - Located in Lancaster, our advisors are here to help

Our customer reviews and testimonials

“Great service. Friendly and helpful staff who understood my needs and got me a good price for my shop policy.”

Household Goods Retailer

Customer since October 2023

Customers rate us 4.7/5

341 customers have happily rated our service on Feefo over the past 12 months.

For consistently winning a Trusted Service Award for customer excellence over the past 10 years.

Don't just take our word for it, read more of our customer testimonials and reviews.

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Speak to a florist insurance expert

All these covers can be tailored to your individual requirements to make managing your flower shop insurance policy as easy as possible giving you peace of mind to let you work without worry. Compare policies and get florist insurance quotes online or for advice call our expert advisors.