Florist & flower shop insurance

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  • Zurich
  • AXA
  • Hiscox
  • Maltings
  • Covea
  • Ageas
  • UK General
  • AIG

Specialist cover for florists and flower shops

For florists and flower shop owners, keeping customers happy and your stock safe is essential for round-the-year trade. There’s so much involved with running a shop that when it comes to insurance, you need a quick solution with cover all in one place. With Simply Business you can build a policy that protects you, your premises, and your customers, plus any contents and stock. It’s quick, quality cover, all in one policy.

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Public liability insurance

As the owner of a shop, you’re responsible for the welfare of every customer or visitor. That puts public liability cover right at the top of your priorities list. It’ll keep you covered if a member of the public is injured or their property damaged while in contact with your business.

Stock insurance

If you keep stock on your premises, it’s sensible to insure it separately from your contents insurance. The value of stock can run to thousands or tens of thousands of pounds, so if it was damaged, destroyed or stolen, your shop’s stock cover would help to pay the cost of replacements.

Loss of money insurance

Even if you’re careful when transporting money to the bank – or putting it in a safe – hard-earned cash often goes missing. Our loss of money insurance will help keep you covered – just make sure you add this option when you apply. 

Fixtures and fittings insurance

Having protection for the fixtures and fittings in your shop can be very useful, as these items may not be covered by your business contents insurance. If you make your own improvements to your florist shop (decoration work, etc.), a shop insurance policy can take this work into account.

Employers’ liability

If you have employees, contractors, casual workers or temporary staff, you’re required by law to take out employers’ liability insurance. It’ll cover claims from employees who’ve been injured or become seriously ill as a result of working for you.

Shop premises insurance

With business premises insurance, you can insure your flower shop buildings against damage from unexpected crises, such as fire and flood. If you rent your business space, you’re unlikely to need buildings insurance – but contact your commercial landlord to make sure.

Business interruption insurance

If you’re unable to trade, for example because of fire or flood, business interruption insurance covers you against revenue lost during this period. This cover can be an important way to ensure that your business remains stable, even when the crisis is unexpected. Just make sure you include separate cover for your premises and equipment in your policy.

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4.6 /5

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Customer testimonials

“Professional, courteous, informative. You really listened to what my insurance needs were.”

Nicola Bramley, Business

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