Running a florist shop involves more than creating beautiful bouquets. From looking after fresh stock to serving customers safely, there are many risks a florist business could face. Florist insurance is designed to help protect against unexpected problems, helping to cover costs if something goes wrong.

We explain what florist insurance covers, why it matters, and how brokers can help arrange the right type of cover for your flower shop.

Why Florist Insurance Matters for Small Businesses

Whether you own a high street florist or sell flowers at local markets, accidents and damage could happen. Common situations include:

• A customer trips in the shop and gets hurt.

• A window breaks during bad weather or vandalism.

• Stock is lost because of freezer breakdown or fire.

• A claim arises because a delivery is late or damaged.

Without cover in place, your business could face large repair bills or compensation claims. That is why florist insurance offers financial protection and helps maintain peace of mind.

What Does Florist Insurance Actually Cover?

Florist insurance is not just one policy. It usually means a mix of covers that work together. We help arrange tailored insurance to suit your shop size, staff, and stock.

Here are the key types of cover:

Public Liability Insurance

Public liability insurance is designed to protect against claims if a customer or member of the public is injured or their property is damaged while visiting your shop. For example:

• A customer slips on a wet floor.

• A flower display falls and causes damage.

This insurance can cover the cost of legal actions, settlement payments, and related expenses.

Shop Contents and Stock Cover

Flowers, plants, and display items are valuable. Florist stock insurance helps protect against loss due to:

• Theft

• Fire or flood

• Freezer or fridge failure

Contents insurance can also cover shop counters, tools, and equipment like tills and computers.

Employers’ Liability Insurance

If you employ staff, employers’ liability insurance may be required by law. It helps cover the cost of claims if an employee gets injured while working.

Glass and Window Cover

Windows and shop fronts are at risk of breakage. Some florist insurance packages include glass cover to help pay for repairs or replacement if a window is smashed.

Business Interruption Insurance

If your shop cannot open because of damage or other insured events, business interruption cover can replace lost income. This helps keep the business running while repairs happen.

Why Florists Might Need More Than One Type of Cover

One policy often does not cover everything. That is why many florists arrange a wide range of insurance cover through a broker. This helps protect against both large and small risks affecting stock, equipment, staff, and customers.

For example:

• Public liability protects against injury claims.

• Stock cover protects the value of fresh flowers.

• Glass cover helps with shop front repairs.

Choosing the right level of cover depends on how large your shop is, how much stock you hold, and how many staff you employ.

How Brokers Can Help Protect Your Florist Business

We help florists find suitable insurance policies that reflect their real risks. This includes checking:

• The type of cover needed

• The amount of cover required

• Any extra cover, such as for delivery services or market stalls

By arranging tailored policies, we support florists in protecting both their stock and business reputation, giving peace of mind in case a claim arises.