What is included in florist insurance?
Florist insurance provides peace of mind, helping you focus on creating beautiful arrangements while knowing your business is protected.
Florist business insurance can be tailored to suit your needs, covering various aspects of your business. While each florist may require different protections, two of the most commonly selected covers are:
- Florist public liability insurance – Protects against claims if a customer or member of the public is injured or their property is damaged due to your business activities.
- Stock and business equipment insurance – Covers the cost of replacing fresh flowers, plants, tools, and other essential business items if they’re lost, stolen, or damaged.
Additional cover options can include employers liability insurance, business interruption insurance, and cyber insurance, depending on your setup.
Do florists need insurance?
While insurance isn’t legally required for all florists, having the right cover in place can prevent financial strain in the event of an accident, damage, or legal claim.
If you interact with customers, deliver flowers, or work at events, florist public liability insurance is highly recommended. Additionally, if you employ staff, even on a casual basis, employers liability insurance is a legal requirement.
Florist public liability insurance
Public liability insurance is one of the most common covers for florists. Here are a couple of scenarios where it could be useful:
- A customer slips on a wet floor inside your flower shop, injuring themselves. They make a claim against your business for medical costs and compensation.
- While setting up a wedding floral arrangement, you accidentally knock over an expensive vase belonging to the venue. The venue seeks reimbursement for the damage.
These incidents can lead to costly claims, which florist public liability insurance helps cover.
Stock and business equipment insurance for florists
Flowers, plants, and essential tools are at the heart of a florist’s business. Stock and business equipment insurance helps protect against losses from theft, fire, flooding, or malicious damage.
For example, if, after setting up a stall in the market, an unruly dog gets away from its owner and runs through your display, this insurance can help cover the replacement costs, minimising disruption to your business.
Employers' liability insurance for florists
If you employ anyone, even part-time assistants, apprentices, or freelance florists, employers liability insurance is a legal requirement. This cover helps if an employee is injured or falls ill due to their work and makes a claim against your business.
For instance, if an employee develops a repetitive strain injury from handling heavy flower arrangements, employers liability insurance can cover the associated legal and compensation costs.
Other elements of florist insurance
Commercial legal expenses
Commercial legal expenses insurance provides support for legal matters such as contract disputes and unpaid invoices. This cover can help florists recover outstanding payments and seek legal advice when needed.
Cyber insurance*
If you take online orders or payments, cyber insurance can be a valuable addition. It provides protection against data breaches, cyber-attacks, or fraud that could compromise customer information or disrupt your operations.
Business interruption*
Business interruption insurance helps cover lost income if your florist business is forced to close temporarily due to events like fire, flooding, or supply chain disruptions. This cover ensures you can manage ongoing expenses while getting back on your feet.
Content and buildings*
If you own your shop premises, content and buildings, insurance protects against damage from fire, flooding, or other unforeseen events. While Suited doesn’t currently offer this cover online, we can help offline—just reach out to discuss your needs.
*Suited can’t currently offer these covers online but please contact us if you are interested. We can help offline.
