FAQ Category: Florist Insurance

At a minimum, most florists need Public Liability and Product Liability Insurance—this protects you if a customer or member of the public is injured or their property is damaged because of your work or products. Many florists also choose to add Equipment Cover, Stock Cover, and, if they employ staff, Employers’ Liability, which is a legal requirement.

Yes. Stock Cover is included as standard up to £250, with the option to increase up to £3,000. This means your flowers, plants, and materials are protected if they are lost, damaged, or stolen (subject to policy terms).

Yes. Your tools and equipment are covered up to £250 as standard, with the option to increase this up to £10,000. So, whether it’s cutters, vases, or other specialist florist tools, you can protect them against damage, or theft.

Perishable stock (such as fresh flowers) is included under Stock Cover, up to the value you choose. This provides protection if your stock is lost, damaged, or stolen. However, natural deterioration (such as wilting or spoilage) is not covered.

Yes. Your Public Liability cover follows you to events, weddings, and installations away from your premises, you may have to provide proof of liability cover when working at client venues.

No, this policy is designed to cover you to sell your flowers and arrangements either as a stallholder, online or from a shop. 

Yes, your Stock Cover applies while in transit. However, please note that theft from unattended vehicles is not covered under this policy.