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Whether you own a flower business, sell bouquets and posies online or arrange floral displays for events, florists’ insurance is a worthwhile consideration to ensure you have the appropriate level of cover.
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 Direct, 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.
Cover at a glance:
- Public liability cover up to £5m
- Employers’ liability cover available
- Protection for accidental damage or injury claims
- Stock and equipment cover optional
- Suitable for shop-based and mobile florists
Why insurance is important for florists
You can’t eliminate risk when you’re running a florist business, and if you don’t have the appropriate level of florist business insurance 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 on your premises 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.
Cover starting at
£5 a month*
*Price based on a florist requiring £50,000 of professional indemnity insurance.
Do florists’ need insurance?
Insurance for florist businesses 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 property damage insurance.
Why choose Markel Direct for florist insurance?
When you’re looking for florists’ 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 Direct.
Example policy documents
If you have an existing policy with us, please sign in to view your policy documents.
Below you will find examples of the documents provided.
Tailor your business insurance for florists’ in minutes with these covers
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Public and product liability insurance for florists
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 on your premises and breaks their ankle. They bring a personal injury claim against you.
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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.
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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 premises and suffers injuries. They seek compensation for their suffering and lost earnings.
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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 property floods, destroying important equipment and stock. You are left facing the cost of repairing or replacing your premises and the affected items.
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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.
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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.
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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.
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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.
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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.
How it works
Choose the cover you require
Get a quote you need in minutes
Buy online or contact one of our advisors
How much does florist business insurance cost?
At Markel Direct, we offer florists’ insurance from £5 a month for £50,000 worth of professional indemnity cover*. When it comes to business insurance for florists’, the cost varies from business to business depending on;
- The size of your business - your turnover and whether you have any employees
- The level of cover you choose
- The types of projects you work on and the equipment you use.
To get a clearer idea of how much you’ll pay, simply get a quote online. *Price based on a florist requiring £50,000 of professional indemnity insurance.
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Frequently asked questions
These frequently asked questions are designed to help you and include questions relating to policy cover, pricing and ‘technical’ terms.
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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 for florists 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.
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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.
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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.
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How is Markel Direct regulated
Markel Direct is regulated by the Prudential Regulation Authority and Financial Conduct Authority. Visit the Financial Services Register to find out more.
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