Florists Insurance

Protecting Your Flower Business with Specialist Florist Insurance

Floristry involves more than just arranging beautiful bouquets. Whether you operate a flower shop, deliver arrangements to clients, or run a mobile flower business, there are unique risks that come with the trade. From damage to stock and equipment to third-party claims or accidents during deliveries, having the right florist insurance in place could protect your livelihood.
START YOUR QUOTE CALL US
OR CALL 0330 054 0545
How It Works

1

Call us or complete our online quote form. We’ll collect a few key details about your business.

2

We’ll contact you to confirm everything, talk through your needs, and match you with the right level of cover.

3

We compare quotes from our panel of 20+ insurers, present your options, and explain the details before you buy.

Insurance Revolution's Reviews

Trustpilot

Why Choose Us for Florists Insurance?

Access to specialist insurers for floral businesses
Tailored packages based on your working style and risk profile
Flexible protection that can grow with your business
Dedicated customer service and claims assistance
Specialist knowledge for niche or higher-risk trades
Affordable monthly payments
GET YOUR QUOTE NOW CALL US
OR CALL 0330 054 0545

What Is Florist Insurance?

Florist insurance refers to a combination of business insurance covers designed for flower shop owners, floral designers, and delivery-based florists. It can offer financial protection against a range of day-to-day risks, helping ensure continuity and resilience.

Who Might Need Florist Business Insurance?

Florist insurance could suit a variety of businesses and professionals working in the floral industry, including:

  • High street flower shops
  • Online florists and e-commerce stores
  • Mobile florists and market traders
  • Wedding and event florists
  • Florists offering national or local delivery
  • Freelance floral designers

Whether you operate from a physical premises or offer bespoke services from home, appropriate cover could help reduce financial and legal risk.

 

START YOUR QUOTE >

What Does Florist Insurance Typically Cover?

1. Public Liability Insurance

Public liability cover can help protect against legal and compensation costs if a customer or member of the public is injured or suffers property damage as a result of your business. This could include slips in your shop or accidents during deliveries.

2. Employers’ Liability Insurance

Often required by law if you employ staff, even on a part-time or temporary basis. This cover can protect you against claims from employees who suffer illness or injury at work.

3. Contents and Equipment Cover

May provide protection for furniture, refrigeration units, display equipment, and florist tools against fire, theft, vandalism, or accidental damage.

4. Stock Insurance

Fresh stock like flowers and plants are sensitive to temperature and time. Insurance could help cover the cost of perishable items lost due to freezer breakdowns, transport issues, or unexpected events.

5. Business Interruption Cover

If your premises becomes unusable due to an insured event such as fire or flood, business interruption cover could support ongoing costs and protect income during downtime.

6. Commercial Vehicle Insurance

If you use vans or cars for delivering flowers to clients, you may need specialist commercial vehicle cover. This could protect against damage, theft, and third-party claims.

FAQs

Florist insurance can offer essential peace of mind, helping mitigate financial loss and legal exposure. A single unexpected event, such as a fire, flood, or customer injury, could significantly impact business operations.

Key benefits of florist cover include:

  • Support with public and employee liability claims
  • Financial protection for delicate, high-turnover stock
  • Protection for shop fittings, workstations, and refrigeration
  • Compliance with legal employment obligations
  • Increased credibility when bidding for commercial clients or venues

Florist insurance costs can vary based on several business factors, such as:

  • Type and size of your flower business
  • Whether you have a shop, work from home, or deliver
  • Number of employees
  • Value of stock and equipment
  • Claims history and business activities

As brokers, we work with a wide panel of insurers to help you compare cover levels and secure options that align with both your risks and your budget.

Arranging your cover through a broker can provide:

  • Access to specialist insurers for floral businesses
  • Tailored packages based on your working style and risk profile
  • Support from professionals who understand your industry
  • Ongoing assistance with policy queries and claims

By comparing multiple providers, we aim to help you secure flexible, comprehensive florist insurance at a competitive rate.

  • Boutique flower shops
  • Wedding and funeral florists
  • Florists in shopping centres and garden centres
  • Mobile or pop-up florists
  • Online flower delivery services
  • Wholesale florists and suppliers

We work to match each florist with insurers who understand the unique pressures of working with perishable goods, seasonal spikes, and customer-specific deadlines.

START YOUR QUOTE CALL US
OR CALL 0330 054 0545
START YOUR QUOTE OR CALL 0330 054 0545

Helpful Articles & Updates

Flower shop insurance insights, business tips, and practical advice to keep your floral business blooming.