Business insurance tailored to your flower shop

As shops go, flower shops are quite unique: the stock must be fresh at all times, and it will be very expensive to replace if damaged.

It's essential for florists to keep their flower stock safe, both during the time that it is being transported and while it is in the shop. Stock cover and goods in transit insurance will cover the cost of replacements if a disaster happens.  You may also need insurance to cover your public liability, product liability, shop premises, and business equipment.

Buying flower shop insurance doesn’t have to be complicated.  At Simply Business, we offer a tailored insurance policy for florists.  Just complete our simple form and receive florist shop insurance quotes in minutes.

Why buy flower shop insurance with Simply Business?

• Simple: use our easy-to-follow quote form to create tailored quotes and buy online in minutes.
• Value: in most cases we can give you a cheaper quote than others without sacrificing the level of cover.
• Efficient: arrange everything online or speak to one of our dedicated insurance consultants.
• Choice: we offer quotes from up to 8 business insurers. You can compare the policies in detail to ensure you make the right choice.
• Trust: we only offer insurance quotes from trusted insurance companies.

Public liability insurance for flower shops

As the owner of a flower shop, you are liable for the safety of the public in your shop. You therefore need public liability cover in case an injury to a third party or damage to their property should occur.

Read more about our public liability insurance.

Employers' liability insurance for florists

If you have staff, you need to take out employers' liability insurance as part of your business insurance policy.  Many shops employ part-time, temporary, and seasonal staff. It is important to remember that even these employees need to be covered.

With Simply Business, you can get instant employers' liability cover for your staff. It's quick and simple.

Read more about our employers' liability insurance.

Buildings insurance for florists

You can insure your premises against damage caused by disasters such as fire and flood.  Just add buildings insurance to your business insurance policy.  If you rent your business space, you may not need buildings insurance, however you should contact your commercial landlord to make sure.

Read more about business buildings insurance.

Business interruption insurance for florist shops

Consider adding business interruption cover to your shop insurance policy. This cover ensures that you don't lose all your income if you are forced to temporarily stop trading due to damage to your business premises or equipment. Revenue protection can offset your lost income, while additional trading expenses cover can give you the financial help you need to get your business back on its feet.

Fixtures & fittings, including tenants improvements

It is useful to have insurance to cover the fixtures and fittings in your shop, as they are not necessarily covered by your business contents cover. If you make your own improvements to your florist shop (shop decoration, etc.), a Simply Business shop insurance policy can also take this work into account.

Stock cover for flower shops

If you keep stock on your premises, it is 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 stock cover would pay the cost of replacements.

Loss of money cover for florists

If your flower shop is busy, you are likely to handle significant amount of cash on a daily basis. If it is stolen or destroyed in a fire or flood, our loss of money insurance can cover the loss.