Specialist cover for florists from £5 a month*
Fast, easy online quote in 90 seconds
24hr legal advice helpline and legal hub
No hidden fees or cancellation charges
Cover starting at £5 a month
Cover starting at £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 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.
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.