Florists insurance

Specialist cover for florists from as little as £5 a month

  • Fast, easy online quote in 90 seconds

  • 24hr legal advice helpline and legal hub

  • No hidden fees or cancellation charges

Whether you own a flower shop, sell bouquets and posies online or arrange floral displays for events, you’ll need the right insurance.

No matter how careful you are, there’s always a risk of accidents and mistakes. For example, what if your equipment or stock is damaged, lost or stolen, or a member of the public sues you after suffering an injury on your business premises? Without suitable financial protection, you could be left counting the cost.

At Markel, we offer tailored cover that can include everything from flower shop insurance to public liability protection. We’re here to help you keep your business running even when the unexpected happens.

What is florist insurance? 

Florists’ insurance is there to protect you against the financial risks associated with creating and selling your products. It can include a variety of different types of financial protection, depending on your specific needs. Florist public liability insurance is often a key feature of these policies, and other types of cover can include everything from employers’ liability insurance to florist shop insurance.

Why do I need florist business insurance?

You can’t eliminate risk when you’re running a florist business, and if you don’t have the right cover in place, your finances could take a major hit if disaster strikes. You might even find you can’t continue operating. For example, if a customer is injured because of a slip, trip or fall in your shop and they sue you, you may face significant legal fees and compensation costs. Or if there is a fire, flood or burglary at your premises, you could be left with a significant bill to repair or replace the affected property, equipment and stock.

There are certain types of insurance that you might be required to get too. For instance, if you have any employees, you are obliged by law to have employers’ liability insurance. Also, if you sell flowers or other products at market stalls or craft fairs, the organisers of the events may stipulate that you need public liability cover as a condition of entry.

Why choose Markel for florists’ insurance?

When you’re looking for florist insurance, you want a provider you can trust. That’s where we come in. Here are just some of the reasons why it pays to choose Markel.

✔ Transparent pricing

Our tailored policies are excellent value for money, and when you come to us for cover, you won’t face any unexpected fees. Our pricing is fully transparent, so you’ll know exactly what you need to pay.

✔ Impressive customer satisfaction ratings

We pride ourselves on the excellent standard of service we provide to our customers - and the results speak for themselves. Check out our impressive customer ratings on Feefo.com.

✔ Legal advice around the clock

Suddenly finding yourself in the middle of a legal dispute can be uncomfortable. So that you’re not left waiting for advice and guidance, we offer a 24/7 legal helpline run by experienced solicitors. 

✔ Quotes in just 90 seconds

Getting a quote from us for florist insurance takes as little as 90 seconds. Simply complete our quick and easy online form today.

✔ Decades of experience

We’ve been providing business insurance to customers for more than 25 years, so you can rest assured that we know exactly what our customers need.

How much does florist insurance cost?

The amount you will pay for florist insurance depends on several factors, including the size and nature of the business you run and the types of cover you want. At Markel, we offer florist insurance starting from just £5 a month.

To get a clearer idea of how much you’ll pay, simply get a quote online.

Customer reviews

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Cover starting at just £5 a month

Tailor your florists’ insurance in minutes with these covers

  • Public and product liability insurance

    The starting point for many florists’ insurance policies is public and product liability cover. This protects you if a member of the public takes legal action over an injury or property damage caused by the activities of your business. Our policies also include product liability as standard, meaning you are protected if a customer makes a compensation claim over a product you have sold them. We offer cover limits ranging from £1 million to £5 million.

    Example of a claim:

    A customer slips on a wet floor in your shop and breaks their ankle. They bring a personal injury claim against you.

  • Professional indemnity insurance

    If you offer professional services for a fee as part of your florist business (for example, you provide designs or advice to clients), you should consider getting professional indemnity insurance. This covers legal fees and compensation payments that you may owe if a client takes action against you over a mistake you have made in your services.

  • Employers’ liability insurance

    If you have employees, you’re required by law to have employers’ liability insurance with a minimum level of cover of £5 million. At Markel, we offer this type of florist liability insurance with protection of up to £10 million.

    Example of a claim:

    One of your workers falls from a ladder while arranging a window display at your shop and suffers injuries. They seek compensation for their suffering and lost earnings.

  • Property damage insurance

    Property damage insurance covers the cost of repairing or replacing your buildings and their contents in the event of accidental loss, destruction, or damage caused by events such as thefts, floods and fires. Our property insurance also covers the value of your stock at the time of the incident. You can extend it to protect the loss, damage or destruction of portable equipment anywhere in the world too. Take a look at our office and business equipment insurance for further details.

    Example of a claim:

    Your shop floods, destroying important equipment and stock. You are left facing the cost of repairing or replacing your premises and the affected items.

  • Legal expenses insurance

    Legal expenses insurance protects you if you are involved in legal disputes such as tax enquiries, personal injury claims, debt recovery cases, contract disputes and more. At Markel, we offer cover with a limit of £100,000.

  • Cyber insurance

    Cyber and data risks insurance is there to protect you in the event that your business is targeted by a cyber-attack. It is especially important if you sell flowers online. This type of cover pays the cost of meeting ransom demands, restoring data and equipment, informing clients of data breaches and making up lost profits. It also covers legal fees and compensation costs that you may face if third parties take legal action against you over a security breach. 

    Example of a claim:

    A cyber attack results in the theft of data, including payment details provided by your customers. As well as the expense of informing your customers about the attack, you face compensation claims brought by the affected individuals.

  • Occupational personal accident insurance

    If you are unable to earn money because of an injury you suffer at work or while on your way to or from work, your finances may come under serious strain. This is what occupational personal accident insurance is there to protect you against. It provides weekly payments or a lump sum, depending on the nature of your injury, and is intended to support your income in such circumstances.

  • Money and personal assault insurance

    Money and personal assault insurance covers the loss or theft of money from your premises or while in transit. It also includes protection for those injured during a robbery.

  • Directors and officers insurance

    Directors and officers insurance is there to cover the costs if you have to defend yourself as an officer or director of your business against allegations that you have acted wrongfully. It also covers damages that could be awarded against you. We offer limits ranging from £100,000 to £5 million.

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Cover starting at just £5 a month

Frequently asked questions

  • My floristry business operates from home. Do I need insurance?

    No matter where you operate your business from, including if you work from home, you may need to consider finding suitable insurance. For example, if you come into contact with members of the public while arranging displays in people’s homes or business premises, it is important to consider having public liability insurance in place.

    In addition, if you have employees, you will be required by law to take out employers’ liability insurance. You may also wish to get insurance to cover stock and important equipment, and if you sell flowers online, cyber insurance may be worth considering too.

  • Do I need florist insurance to sell at farmers’ markets?

    Many markets will require you to have public liability insurance in place as a condition of entry. Always check if you need florists’ liability insurance before attending one of these events.

  • When should I get florist insurance?

    We advise you to get florists’ insurance as soon as you set up your business and start selling flowers. This will minimise the risks to your finances.

  • How is Markel regulated?

    Markel is regulated by the Prudential Regulation Authority and Financial Conduct Authority. Visit the Financial Services Register to find out more.

Access exclusive services for your florist business - included as standard

In addition to comprehensive cover, insuring with Markel means you enjoy access to unique services for your florist business at no additional cost (when the relevant section of cover is purchased).

24 hour legal helpline  24 hour legal advice helpline

When you insure with Markel, you'll benefit from 24/7 telephone access to a qualified solicitor at no additional cost. Expert legal advice can be costly when you're working for yourself and it's difficult to know who to turn to for a trustworthy answer. Whether it's a question on health and safety, employment law, legal structures for your business or how to handle a difficult client, an experienced team of solicitors are on hand day and night to help you with any business-related legal queries. Included as standard with all policies.

Legal hub access Markel Law Hub access

In addition to our 24 hour legal helpline, you'll have access to the Markel Law Hub - an award winning online resource of legal and business guides, templates and content written and created by our team of expert solicitors. Instantly download ready-made contracts, policies, procedures and guidance you can use for your business - without paying any expensive legal fees. Included as standard with all policies.

  Fee dispute service

As every self-employed florist knows, customers don't always pay on time and chasing unpaid fees/invoices costs time and money. Mindful of the impact this has on your business, we offer our policyholders access to a unique fee dispute helpline operated by one of the UK's leading law firms, who will provide specialist legal guidance and support on fee dispute issues. Included as standard with public liability and professional indemnity insurance.

  Public relations crisis management service

In today's 24 hour news culture, public relations disasters can occur at any time. Having to deal with the press whilst managing a difficult situation can be hugely stressful as well as being a potential minefield. When there is a risk to your business as a result of negative press attention, our specialist public relations crisis management firm, The Counsel House, will work with you to help manage allegations of fraud, injury caused to employees or the public, and official investigations into your company's affairs. Included as standard with public liability and professional indemnity insurance, directors and officers insurance, cyber and data risks insurance and legal representation and employment disputes insurance.

Cyber response helpline

If you're the victim of a targeted cyber attack, our cyber response helpline provides access to specialist solicitors and information security experts who will give expert legal and technical IT security guidance on the issues arising from cyber and data protection risks. Included as standard with cyber and data risks insurance.

Cover starting at just £5 a month