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Florist insurance

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What's on this page

Why do you need florist insurance?

From the first deposit to finishing touches you create together, your clients are trusting you with their vision. Maybe you specialise in jam jar posies, or big displays for corporate events. Either way, flower shop insurance can cover you for accidents and errors, as well as risks that could damage the business you’ve built.

  • Protection from unexpected claims for accidents and injuries
  • Cover for the specifics from specialist stock to employee errors
  • Peace of mind, letting you focus on the flowers, not the what-ifs
Start your quote

What does florist shop insurance cover?

Corporate or private, imported or seasonal, you know your business, your flowers, and your clients best. That’s why we put you in control, starting with public liability insurance to cover you for accidental damage and injuries. From there, you can add cover for your stock, equipment and team, if you’ve hired anybody.

Public liability insurance

In case your floristry business causes an injury or property damage.

What’s typically covered by florist public liability insurance?

Claims against your business for:

  • damage to someone’s property, because of your floristry business
  • an injury caused by your business activities
  • accidental damage or injury caused by your employee, if you have one

If you do employ anyone, you’re usually required by law to have employers’ liability insurance too.

For example:

  • you’re clearing up a smashed glass vase in your shop but miss a piece, causing a customer’s child to cut themselves
  • some lilies leave a stain on a customer’s designer handbag, after they’re accidentally left by the shop front door

Read more about public liability insurance

Employers’ liability insurance

In case an employee gets ill or injured because of working for your florist shop.

What’s typically covered by employers’ liability insurance?

Claims against your business for:

  • an injury or illness that happens as a result of working for you (including temps and casual workers)

**Employers’ liability insurance is required by law if you have people working for you. Without it, you could be fined up to £2,500 a day for each employee.**

For example:

  • your employee is attacked by a customer’s dog while delivering a birthday bouquet
  • a Christmas temp falls down some old stone steps in the back of your shop, breaking an ankle

Stock insurance

In case the floristry stock you rely on is lost, stolen or damaged.

What’s typically covered by stock insurance?

  • loss, damage or theft of essential stock, like your flowers, props, display items and stationery

For example:

  • someone drives into your shop from the high street, smashing the windows and destroying a week’s worth of flowers and other products
  • a fire in your shop destroys flowers for two weddings, as well as your entire stock of greeting cards

Read more about stock insurance

Business and office equipment insurance

In case something happens to equipment like your laptop or till.

What’s typically covered by business and office equipment insurance?

  • theft of the equipment you use to run your business, like your till or laptop
  • accidental loss of your equipment
  • flood, fire or accidental damage

For example:

  • someone breaks into your shop, stealing your laptop, work phone and music speaker system
  • a child drops their drink on your laptop keyboard, causing it to malfunction

Read more about business and office equipment insurance

Legal expenses insurance

In case you have to pay legal costs while running your floristry business.

What’s typically covered by legal expenses insurance?

  • legal costs associated with day-to-day operations, like an employee dispute
  • property damage, nuisance or trespass and associated legal costs
  • HMRC, tax and compliance issues, if they come up
  • includes a tax advice helpline, a 24/7 confidential legal helpline and crisis support to help you protect your reputation, as a quality florist

For example:

  • you run into a dispute with your client, who is refusing to pay an invoice
  • a Christmas temp you’ve hired brings a case against you for unfair dismissal

Read more about legal expenses insurance

Personal accident insurance

In case you or anyone you’ve covered has an accident at work, or elsewhere.

What’s typically covered by personal accident insurance?

  • injury or death of anyone you’ve chosen to cover in your policy – whether this happens at work or elsewhere
  • lost income, hospital bills or other medical costs associated with the accident

For example:

  • you trip over a customer’s bag in the shop and break your wrist
  • you’re in a road accident while delivering flowers to a wedding venue, breaking your leg

Read more about personal accident insurance

How much does florist insurance cost?

Find out how much you’ll pay by comparing prices from a range of trusted insurers. You choose what goes into your policy, so you only pay for what you need.

Prices start from £6.77 per month

Get your quotes in 7 minutes – prices are guaranteed for 30 days.

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How we work out example prices We take the highest price from the bottom 10 per cent of all our customers paying in monthly instalments (based on data from 1 Jan 2021 - 31st August 2021). Most customers pay more than this but some pay less.

Example florist insurance quotes, real prices

£20.19 /month

£179.45 /year

A self-employed florist with a small stand in a shopping centre

  • 1-2 years' experience
  • Sole trader
  • No employees
  • Based in Solihull

Public liability

£2,000,000


Employers' liability

Not included


Contents/business equipment

Not included

£37.53 /month

£333.62 /year

A small family-run florist business selling from a permanent shop

  • 5+ years' experience
  • Limited company
  • 3 employees
  • Based in Slough

Public liability

£2,000,000


Employers’ liability

£10,000,000


Contents/business equipment

£5,000

How we work out example quotes These examples are real quotes from our online system (created 23/09/2020). They’re based on a range of factors, like employees and location. Your own quote will be based on what you tell us about your business. Prices may go up or down from day to day, so the prices you’re quoted may differ to the ones you see here.

What kind of excess should I expect?

An excess is an amount you pay towards any claim you make on your insurance. For example, if your excess is £250 and you make a claim worth £1000, your payout will be a maximum of £750.

Insurance coverLowest excessHighest excess
Public liability£100£2500
Employers' liabilityNo excessNo excess
Stock£100£500
Business and office equipment£50£750

The figures above are for guidance only and any excess applying to your quote may differ. You’ll get a breakdown of the excesses for each quote when you compare with us.

How it works

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    Only pay for what you need

  • Get prices from a range of insurers

    Choose the best fit for you

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We handle claims, so you can get on with business

How do I choose insurance?

Making sure you have the right type and level of business insurance can be the difference between getting a claim paid and having to cover the cost of an expensive accident yourself. Read our tips for guidance on what to consider when buying a policy.

Which type of workers do I need insurance for?

Employers’ liability insurance is a legal requirement if you employ people.

If you have people working for you, including bona fide subcontractors (BFSC), labour-only subcontractors (LOSC), part-timers, or full-time staff, employers’ liability insurance is required by law.

Read on for our simplified guide to the difference between labour-only subcontractors and bona fide subcontractors.

Does florist insurance cover my work correctly?

Make sure you're picking the right cover to protect you properly. It's important to know that if you have another trade or job, you'll need additional cover. For example, do you need to consider flower arranger or market traders insurance?

Do I need cover for other types of work?

If you provide these services alongside your work, make sure you’re covered:

Other types of insurance

Which public liability cover limit should I choose?

Think about the maximum possible loss your business could face in the event of a claim, and make sure you take legal fees and damages into consideration. You can choose from three levels of coverage – £1 million, £2 million, or up to £5 million.


Talk to an expert

Our team of UK-based insurance experts are here to help, Mon 09.00am - 05.30pm, Tues 09.00am - 05.30pm, Weds 09.00am - 05.30pm, Thurs 09.30am - 05.30pm, Fri 09.00am - 05.30pm, Sat 09.00am - 02.00pm

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FAQs

Find answers to common insurance questions

How do claims work?

Unlike price comparison websites, we take the hassle out of claims for you. We know how important it is to get your business back on track quickly – and with a minimum of fuss. That’s why you get access to your dedicated claims any time, day or night. Call them on 0333 207 0560 or claim online. They’ll do their best to be fair and supportive. The figure below is rounded across our range of products. Our claims process may vary for different products and operates on a ‘claim by claim’ basis.

£30 million in claims paid out in 2019

Paying 80% of settled claims within 24 hours in 2019

Example claim

Having flower shop insurance through Simply Business has saved florists thousands of pounds when the unexpected happened.

Grace saved more than £1,100

Grace’s (not her real name) florist shop window was smashed over Christmas, just after her opening party. Luckily, her florist business insurance covered the cost of the damage.

Insurance payout

£1,145.00

Covering the cost of accidental damage


Grace’s costs

£100

The excess amount stated in Grace’s policy terms

Chosen by 800,000 small businesses

We started out as a team of five back in 2005. We’ve grown since then with 800,000 customers across 1,500 trades now trusting us to provide their business insurance.

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Florist insurance FAQs

Whether you’re new to buying business insurance or you’ve been trading for a while, here are the answers to some commonly asked questions about florists' insurance. You can also check out our business insurance FAQs.

  • Looking for a florist stall insurance quote? Head to market traders insurance, built for the specific risks you face while trading out and about.

    Remember, our florist shop insurance doesn’t cover stalls or pop-up market traders.

  • Each insurer looks at CCJs and IVAs differently – some apply stricter rules than others, but having a CCJ or IVA doesn’t necessarily mean you won’t be able to buy insurance.

  • You can choose the payment type that suits your business and cash flow best. Some customers prefer to pay in one go, while others prefer to pay a regular monthly amount, like you do with lots of other bills. Simply Business offer three ways to pay for your policy:

    • one-off credit or debit card payment
    • BACS payment
    • Direct Debit If you choose to pay by Direct Debit, our credit provider, Premium Credit, pays Simply Business the full amount for your policy up front. You then repay Premium Credit in 10 monthly instalments.
  • This will depend on whether you have employers’ liability insurance in place. Public liability insurance is designed to protect your business against the consequences of legal action brought by members of the public for injuries or damage to their belongings. But when it comes to your employees causing injury or damage, this protection only activates if you also have employers’ liability insurance.

    If you employ people, you’re required by law to have employers’ liability insurance.

    There’s one exception here. Family businesses that aren’t incorporated as a limited company are not legally required to have employers’ liability insurance. The government defines a "family business" as one where all your employees are closely related to you (as a spouse, civil partner, sibling, child, parent, grandparent, grandchild, step-parent, stepchild or half-sibling). So if you run an unincorporated family business and you choose not to get employers’ liability insurance, it’s important to know that your public liability insurance wouldn’t cover you against damage or injury caused by your team.

We create this content for general information purposes and it should not be taken as advice. Always check policy documentation for details and seek professional advice. Read our full Terms and Conditions

Helpful articles for florists'

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16 Jun 2021 • 10-minute read

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Florist insurance

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