Get quotes for public liability, professional indemnity, tools and employers' liability insurance for UK florists — quotes are provided directly by FCA-authorised insurers, not by us.
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Every trade faces unique risks. Here's what could go wrong and why the right cover matters.
Flowers are fragile, time-sensitive and often delivered off-site — three things that don't fit neatly into standard retail cover. A policy built for florists needs to address all three.
A failed cold-storage unit can write off your entire stock overnight. Make sure spoilage from refrigeration breakdown is specifically included — it's not always automatic under general stock cover.
Arrangements damaged, crushed or lost during delivery are usually covered separately from your in-shop stock cover. If you deliver regularly, check your goods in transit limit reflects the value of a typical wedding or event order.
Stock value can multiply many times over around Valentine's Day, Mother's Day and Christmas. Review and, if needed, temporarily increase your sum insured ahead of these peaks rather than relying on your average-month figure.
Large bespoke orders carry higher financial and reputational stakes if something goes wrong. Professional indemnity can help with claims relating to a failed or disputed arrangement, separate from physical injury or damage.
A personal car policy won't cover business deliveries. Commercial vehicle cover, ideally including goods in transit, is needed for any vehicle used to deliver flowers.
If you import flowers or hold high-value stock for events, declare this accurately — values and origins affect both your stock cover and any transit cover for imported goods.
A strong policy covers the specific risks of your trade — from site accidents to equipment theft and client disputes.
Covers claims from customers injured on your premises or as a result of your products or services. Essential for any business open to the public.
Covers your stock, equipment and shop fittings against fire, theft and accidental damage. Make sure the sum insured reflects replacement cost, not purchase price.
Replaces lost income if you're forced to close due to an insured event — fire, flood or equipment failure. Covers ongoing costs while you're unable to trade.
Covers claims arising from products you sell or food you prepare causing injury or illness. Essential for food businesses and retailers selling physical goods.
Required by law if you have any employees. Covers claims from staff injured or made ill as a result of working for you.
Covers the structure of your premises against fire, flood and damage — if you own the building. If you're a tenant, check what your landlord's policy covers.
A few things worth checking before you buy, whichever UK insurer or broker you compare.
Check the limit matches what your contracts, landlord or clients require — common tiers are £1m, £2m, £5m and £10m depending on trade and risk.
Professional and liability covers are often "claims-made" — cover depends on holding a live policy when a claim is made, not just when the work happened.
Read what's excluded, not just what's covered. Sub-contractor work, specific activities, or work carried out overseas are common gaps.
Before buying, confirm any insurer or broker is authorised and regulated by the Financial Conduct Authority — check the register at register.fca.org.uk.
🤝 We're finalising partnerships with FCA-authorised UK insurers so you can compare real quotes here soon. Check back shortly, or get in touch if you'd like to be notified when comparisons go live.
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