Florist insurance

Why do florists need insurance?

People are the lifeblood of your floristry business. Your customers, your staff, your suppliers…you wouldn’t be here without them.

But people bring risk with them, too. And if you’re unlucky, accidents will happen – in your shop or on someone else’s turf – which take time, money, and effort to fix.

Compensation claims don’t just drain away your resources... they tarnish your reputation. And as someone whose job is to spread joy with your flowers, that’s not such a good look.

Pick the right florist insurance, though, and you’ll come up smelling of roses.

What types of insurance do florists need?

You know the attention to detail it takes to arrange a good bouquet? Insurance for florists is a little like that, too. Only the right combination of hand-picked cover can protect your business.

A good place to start is with public liability insurance. It’s essential if your shop receives customers or if you go out to meet clients. If someone’s injured or their property is damaged, and they blame it on you, public liability insurance for florists picks up the tab for any legal costs and compensation.

Top of your shopping list, if you have staff, is employers’ liability insurance. It pays your legal costs and compensation when an employee is injured or made ill while working for you. As it’s legally required, the Health and Safety Executive can fine you for not having it.

Now onto your commercial premises – be that your workshop, a studio that’s separate from your home, or a florist shop. If something unexpected happens to it, like a fire or a flood, commercial property insurance covers the repair or rebuild costs. It won’t replace your furniture or fittings though, so you’ll need business contents insurance if you want that covered.

Last but not least, protection for your stock is one of the most important types of insurance florist shops need. If anything happens to it, either in your shop or out on a delivery run, you’ll find it hard to trade. Stock insurance pays to repair or replace it if it’s lost, stolen, or damaged. So, you can carry on, business as usual.

What does florist public liability insurance cover?

Public liability insurance covers you if you accidentally injure someone or damage their property. Whether that’s inside your shop, when arranging flowers at an event venue, or while dropping off an order at a customer’s house.

It protects you if you accidentally sprinkle pollen over someone’s wedding dress and have to replace it, for example. Or if a customer sues you after they slip on the wet floor inside your shop and injure their back.

When feathers are ruffled, public liability insurance for florists and florist shops helps smooth things over. It takes away the stress of having to cover any compensation costs and legal fees yourself. And does its bit to help restore your reputation as a professional florist.

Who needs florist insurance?

It doesn’t matter what kind of floristry you do. All kinds of florists need protection for their stock and premises – including wedding florists, corporate event florists, and freelance florists specialising in funerals, parties, and other events.

Bear in mind, too, that your cover may vary depending on how and where you run your business from. A florist who has customers visiting their shop has different insurance needs from one who sells solely online.

There’s no one-size-fits-all policy when it comes to florists’ insurance. Which is why hand-picking your own cover is so convenient. You get to choose only what you need.

How much does florist insurance cost?

Every floristry business is different and so it’s hard to say. Something that might influence the price of your insurance, for example, is your annual turnover and how many employees you have.

Where you sell your flowers also plays a large factor. If that happens to be a florist’s shop, you’ll likely pay more than a freelance florist who works from their home studio. Or one that sells online or at markets and pop-up shops.

Some things to consider, if you’re a shop owner, are:

• The location of your shop
• Your footfall
• Where you store your stock
• The value of the things you sell
• The value of your other equipment.

You don’t have to work the cost of your insurance out yourself, though. Go online, enter a few details, and you’ll get a quote in just a couple of minutes.

Why should I buy florist insurance from you?

Because we’re professional insurance experts. We know exactly what you need to protect your business – even if you don’t.

We also know business insurance can be confusing and time-consuming to buy. So we cut out all the jargon and make sure you can get a policy quickly and easily.

We do all this while treating you like a person, not a number. Call centres and phone menus aren’t part of how we do things. So, if you ring our number, you’ll get through to a friendly adviser who can help.

Plus, we give you stuff: like an ‘I’m insured’ badge for your website, and money each time you successfully recommend us.

Still not convinced and need a second opinion? Then read what our thousands of customers have to say about us. At the end of the day, they’re the ones you should really listen to.