Public liability and stock cover built for florists, covering the perishable stock and delivery risk that come with working with flowers.
Public liability and stock cover built for florists, covering the perishable stock and delivery risk that come with working with flowers.
Perishable stockRefrigeration breakdownDelivery transit
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Florist insurance is a combination of covers built around working with perishable stock, public liability for injury or damage, product liability for what you sell, and employers’ liability if you have staff.
One policy. Multiple risks. Flowers spoil fast, deliveries can arrive damaged, and Valentine’s Day or Mother’s Day can bring a year’s worth of demand into a single week.
The right florist cover depends on:
Whether you deliverPremises and cold storageNumber of employeesSeasonal trading peaksStock value and turnoverCustomer-facing counter service
Cover that fits the way your shop works
Cover that fits the way your shop works
Perishable stock, deliveries and seasonal peaks bring their own everyday risks.
Perishable stock, deliveries and seasonal peaks bring their own everyday risks.
RecommendedPublic Liability
Protection if a customer or member of the public is injured or their property is damaged.
RecommendedEmployers’ Liability
Cover for claims involving employees injured at work.
RecommendedProperty & Contents
Protection for your premises, refrigeration and fittings.
RecommendedBusiness Interruption
Support for loss of income following a fire, flood or equipment failure.
OptionalStock & Equipment
Cover for eligible stock, refrigeration and equipment.
OptionalProduct Liability
Protection against claims arising from products you’ve sold.
What could go wrong in a florist’s shop?
What could go wrong in a florist’s shop?
Most florist claims come from refrigeration failure spoiling stock, a damaged or late wedding delivery, a knife injury, or a customer injured in store.
Most florist claims come from refrigeration failure spoiling stock, a damaged or late wedding delivery, a knife injury, or a customer injured in store.
A cold store fault damages a full stock of flowers overnight.
This type of business insurance may suit you if you run a florist, flower shop or floristry business.
The right cover depends on:
Independent floristsFlorists with a delivery serviceWedding and event floristsFlorists with multiple sitesOnline or subscription floristsFlorists with employeesReal-world risks. Real-world protection.
Real-world risks. Real-world protection.
A refrigeration failure, a wedding order gone wrong, a knife injury and a customer slip are the four florist scenarios insurers see most. Each responds to a different cover.
A refrigeration failure, a wedding order gone wrong, a knife injury and a customer slip are the four florist scenarios insurers see most. Each responds to a different cover.
Customer injury
A customer slips on a wet floor near the display buckets.
Potential cover
Public Liability
Refrigeration failure
A cold store fault damages a full stock of flowers overnight.
Potential cover
Stock & Equipment
Staff injury
An employee is cut while preparing arrangements.
Potential cover
Employers’ Liability
Product liability claim
A customer has an allergic reaction to something you’ve sold.
Potential cover
Product Liability
There’s no fixed price. It depends on whether you deliver, your refrigeration, staff numbers and your claims history.
Delivery service
Delivering to customers adds transit risk on top of your core cover.
Wedding & event work
Larger one-off contracts can affect your risk profile.
Number of staff
More employees increase your employers’ liability exposure.
Level of cover
Adding product liability or a higher limit increases your premium.
Refrigeration & cold storage
More cold storage capacity affects your stock cover premium.
Claims history
A clean claims record helps keep premiums down at renewal.
How the quote process works
How the quote process works
Getting florist insurance takes four steps: tell us about your shop, tell us what covers you need, compare specialist insurers, then get covered, often the same day.
Getting florist insurance takes four steps: tell us about your shop, tell us what covers you need, compare specialist insurers, then get covered, often the same day.
Tell us about your shop
Your premises, staff and whether you deliver.
Tell us what you need
Which covers matter most to you.
We compare specialist insurers
We search our panel of 20+ UK insurers.
Get covered and trading
Receive your documents, usually the same day.
UK-based specialist advisersAccess to specialist insurersNo obligation, just expert helpTrusted by thousands of businesses across the UK
Trusted by thousands of businesses across the UK
From everyday business insurance to complex specialist cover, our customers trust Insurance Revolution to find the right protection and provide expert support when it matters.
From everyday business insurance to complex specialist cover, our customers trust Insurance Revolution to find the right protection and provide expert support when it matters.
Florist insurance guides
Florist insurance guides
Perishable stock, wedding orders and getting deliveries there on time.
Perishable stock, wedding orders and getting deliveries there on time.
Florist Insurance: Protect Your Shop & Reputation
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.
From Bouquets to Broken Windows: What Florist Insurance Actually Covers
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.
Florist Insurance: Protecting Your Flowers, Stock and Business Reputation
Running a flower shop means more than arranging bouquets. It means looking after your business, stock, and customers. Florist insurance helps protect against accidents, damage, or claims that could affect your shop’s future.
Florist insurance FAQs
Florist insurance FAQs
Straight answers on cover, deliveries, seasonal peaks and cost.
Straight answers on cover, deliveries, seasonal peaks and cost.
Florist insurance is a combination of covers built around working with perishable stock: public liability for injury or damage, product liability for what you sell, and employers’ liability if you have staff.
Still have questions?
Our advisers are here to help you find the right solution.
