Cover for all business types
Whether you run a flower shop, create floral displays for events, or sell arrangements from home, florist insurance is essential to protect your business. Working with fresh, perishable stock and members of the public means you’re exposed to risks that standard home or retail insurance won’t cover.
Florist insurance is designed to protect you against the specific challenges of your trade, including damage to stock, injuries in your shop, and problems with deliveries. It can include public liability insurance, product liability, cover for your tools and stock, business interruption, employer’s liability and more, all tailored to how and where you work.
You might think getting a quick quote online is the easiest route, but it often leaves you underinsured or paying for things you don’t need. Our specialist insurance partners have access to pricing that isn’t available when you purchase business insurance through generic online quote systems. They can also assist you directly and recommend a tailored policy to suit your flower shop, event-based work or home-run business.
If your flowers are damaged due to refrigeration failure, if a customer trips in your shop, or if your van is broken into on a delivery round, florist insurance can help cover your losses. Without it, the cost could fall entirely on you.
A good florist insurance policy can include:
- Public liability insurance to protect against injuries or property damage caused by your business.
- Employer’s liability insurance if you employ staff, even part time or seasonally.
- Stock and equipment cover for fresh flowers, packaging, fridges, displays and tools.
- Business interruption cover if an insured event forces you to stop trading temporarily.
- Goods in transit insurance for those delivering bouquets or arrangements by van.
- Product liability cover for allergic reactions or injuries caused by flowers, plants or packaging.
Florist insurance is available whether you work from a retail shop, your home, a market stall, or a mobile setup. Policies are flexible depending on how your business operates, who you employ and how you sell your products.
To get started, request a quote today and you’ll be connected with a trusted expert who understands the florist trade and can arrange tailored protection that fits your needs.
Florist FAQs
Do I need florist insurance if I work from home?
Yes. Your home insurance is unlikely to cover business stock, tools or customers visiting your property. A florist policy can be tailored to suit home-based businesses.
Is public liability insurance included?
Yes. Most florist policies include public liability to cover accidents or injuries involving customers, suppliers or members of the public.
Can I get cover for deliveries?
Yes. If you deliver flowers, you may need goods in transit cover and business vehicle insurance. These can be added to your policy. Please visit our courier insurance page to find out more about cover for couriers.
Does florist insurance cover wedding or event work?
Yes. Your policy can be extended to cover installations at venues, exhibitions or private functions, including liability for damage or injury while on site.
What happens if my flowers are ruined due to a fridge breakdown?
Some policies include stock deterioration cover, which protects you if perishable stock is lost due to equipment failure.
Do I need employers’ liability?
If you employ anyone, even casually, you are legally required to have employers’ liability insurance in place.
