Florist insurance is relevant to you if you own or operate a florist, whether you work from the shop or carry out deliveries.
With your florists insurance policy you can include:
Goods in Transit cover, which protects your flowers whilst they are in the process of being delivered to individuals or large events such as weddings, parties, or funerals. It is imperative that your delivery of flowers is insured as many of these bouquets/arrangements can cost hundreds of pounds.
Public liability insurance is mandatory if your florist has regular face to face contact with customers. If one of your customers were to be injured or their property damaged whilst in your premises, they would be entitled to make a claim against you for damages
Employers’ liability insurance is an essential element of florist insurance cover if you have employees working for you. This is a legal obligation and could result in fines if not purchased. Every business in the UK that employs staff, regardless of size or turnover, is required to have at least £5 million of employers’ liability cover in place.
Florists Insurance Add-Ons
Florist Building Insurance
If you own or are responsible for insuring your florist, this optional add-on will cover you should your building become damaged as a result of fire, flood, theft or other such risks.
Florist stock and contents
Stock and contents insurance insures you against the same risks as building insurance, but for your stock e.g. flowers, equipment, fittings etc.
Business interruption
If your florists had to stop trading due to an unexpected occurrence such as a fire, flood or theft, adding business interruption to your florist insurance would cover you for any income lost and additional expenditure spent during this period.
Florists Shop money cover
This florists insurance add-on covers your florist if cash is stolen from your premises. It is important to note that ‘money cover’ does not just insure cash, but stamps, postal orders, gift tokens and vouchers too.
For further information about florists insurance, contact our team directly or take a look at our FAQs page.