Running a flower shop might seem simple, but things can go wrong when least expected. Whether arranging bouquets or selling plants, accidents and damage can happen. Florist insurance is designed to help cover the cost of problems that could affect your shop, stock, or customers.

We explain why florist insurance matters, what it can cover, and how arranging the right type of cover helps protect your business.

Why Florist Insurance Matters

From small flower stalls to busy high-street shops, florists face real risks. Examples include:

• A customer slips on a wet floor and gets injured. 
• Flowers spoil because a fridge breaks down. 
• A window is smashed during a storm. 
• Stock is stolen during a break-in. 

Without insurance, the cost of fixing these issues or paying compensation could be hard for a small business to manage. That is why florist insurance can offer financial protection and help keep things running smoothly.

What Florist Insurance Can Cover

Florist insurance is not just one policy. It includes different types of cover to handle a wide range of risks. We help arrange insurance to match your shop size, stock, and setup.

Public Liability Insurance

Public liability insurance is designed to protect against claims from customers or visitors if someone gets hurt or property is damaged in your shop.

For example:

• A customer trips on a display. 
• A vase falls and breaks someone’s phone. 

This type of insurance can cover legal costs and insurance claims linked to these events.

Stock and Contents Cover

Fresh flowers, plants, and supplies are valuable. Florist insurance can cover the cost if stock is lost due to:

• Fire or flood 
• Theft 
• Freezer or fridge breakdown 

Shop contents insurance also protects counters, computers, and other equipment.

Glass and Shop Front Cover

Florists often have large display windows. If a window breaks, glass cover helps pay for repairs or replacement.

Employers’ Liability Insurance

If your flower shop employs staff, employers’ liability insurance may be a legal requirement. It covers claims if an employee gets hurt while working.

Business Interruption Cover

If your shop cannot trade due to damage, business interruption insurance can help cover lost income until things are fixed.

When Florist Insurance Is Worth It

Florist insurance becomes useful whenever a claim arises. Common claims for florists include:

• Slips and trips in the shop 
• Damaged stock due to freezer failure 
• Break-ins and theft 
• Storm damage to windows 

Having the right type of cover and level of cover in place helps ensure your business is not left out of pocket when things go wrong.

How Brokers Help Florists Arrange Tailored Cover

We help arrange tailored florist insurance packages that fit your shop’s needs. This can include:

• Choosing the right amount of public liability insurance
• Adding cover for fresh stock and equipment
• Including glass or business interruption cover if needed

By helping florists find the right policy, we support local businesses in staying safe, secure, and ready for whatever happens next.