Florist Insurance
Specialist cover for florists from £3.71 a month. *
- Public Liability up to £5 million
- Join over 150,000 customers**
- Flexible Payment Plans – 0% APR
From £3.71* a month
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What does florist insurance cover?
Our insurance for florists includes liability cover designed for individuals and small businesses creating floral pieces to sell online and at craft fairs.
Public liability for floristry and equipment and stock cover is included, with the flexibility to add additional benefits such as employers’ liability. You can choose from different levels of cover, depending on the scale of your florist business.
Make sure you have the correct insurance for your event and be sure to check if any exclusions are relevant to what you have planned in policy documentation.
Public Liability
Product Liability
Equipment
Stock
Employers' Liability
Public Liability
- Up to £5 million available.
- Protection from claims by a third-party (EG member of the public) who sustains injuries or has their property damaged as a result of your actions.
Product Liability
- Up to £5 million available.
- Protection should you receive any claims arising from any products and goods supplied by you to other parties, who may then sustain an injury or damage to their own property.
EquipmentÂ
- Up to £250 cover as standard
- Increase up to £10,000 worth of cover
- If your craft tools are lost, damaged or stolen, your equipment can be covered up to the value you select.
Stock Cover
- Up to £250 cover as standard
- Increase up to £3000 worth of cover
- If your stock is lost, damaged or stolen, it can be covered up to the value you select.
Employers’ Liability
- Up to £10 million available.
- Protection from claims against employee incidents, if that employee suffers a work-related injury and brings a claim against you.
- If you employ any staff members, Employers’ Liability is a legal requirement.
- Upcycling projects. This policy is intended for crafters producing or building products from scratch.
- Export of your products to the US and/or Canada, unless agreed with ourselves.
- Theft of your Equipment and/or Stock from unattended vehicles.
- Heat work away from your premises, unless when using hot air guns, soldering irons or engraving tools and only if this has been agreed by ourselves.
- Storing your equipment and/or stock at more than two different premises, one of which that needs to be your correspondence address.
For information on exclusions in your cover please refer to policy documentation.
Why do you need florist insurance?
When customers buy your flower arrangements they will have certain expectations of the quality, no doubt you will provide your best service. However sometimes things go wrong and it is highly recommended you have specialist florist business insurance to protect you when they do.
Typically you will need an annual policy, but if you’re a florist involved in short-term or one-off events such as a stallholder at a craft fair, you may not need annual cover, but should secure stallholder insurance for suitable protection.
Here are some situations to help explain why floristry insurance is important:
Public Liability
Protection from claims due to public injury.
If a customer comes to collect a bouquet of flowers or a display piece you have made and trips and injures themselves on your premises, you could be liable to a substantial claim.
Public liability insurance for florists can provide protection from these incidents.
Product Insurance
An item you’ve made damages customer property.
Flowers in your creations could cause injury to a customer if they suffered an allergy or they might stain an item of clothing. In such cases, the customer may bring a claim against you.
Product liability insurance for floristry can cover incidents related to your products, safeguarding you from potential legal consequences.
Equipment cover
Protection if your floristry equipment is damaged.
You may have invested in expensive floristry tools and equipment, which could potentially become damaged or lost. For instance, if your stock should become damaged in storage.
Having florist equipment cover can avoid costly repairs and replacements.
Proof of public liability to sell your flowers.
An event or venue that you sell your flower arrangements at, may expect proof of public liability for as a minimum before you are able to secure a stall.
Our experts explain why...
“As a florist, whether you’re designing arrangements from your kitchen table, supplying weddings and events, or welcoming customers into your high street shop, the right insurance is essential. Florists insurance helps safeguard you against claims that could arise from unexpected situations. Without proper cover, even a single claim could put your hard work and finances at risk. With our specialist insurance for florists, you can focus on growing your business and crafting stunning displays with confidence.”
Chris Trotman, Protectivity Underwriting Manager
How much does florist insurance cost?
At Protectivity policies start at just £3.71* a month.
Every craft business will be unique so, the cost of florist insurance can vary depending on what you offer and the level of cover you need. For example, if you use specialist equipment to create your flower arrangements you may need to increase the value of cover.
Prices from
£3.71* a month
Explainer quote
Policy cost
£3.71* a month
Policy type
Florist Insurance
Duration
Annual
Turnover
£50,000
Public Liability
£1,000,000
Product Liability
£1,000,000
Equipment
£250
Stock
£250
This example is based on a real quote from our website on 1/10/2024. If your circumstances and cover needs differ, your quote may be more or less expensive than the above example. The quote you receive will reflect the information you share about your event. The quoted price may vary from those displayed here.
Have a question?
For further information on your policy, renewals, making a claim and contacting us, you’ll find an extensive list of FAQs on our Help & Support page.
Why choose Protectivity for your florist insurance policy?
Let the reviews of over 3,500 customers explain why you should choose us.¹
Trusted by over 150,000 customers.
Experienced insurance providers for over 30 years.
Over 3,500 highly rated reviews.
Proof of our excellent customer service.
Experienced Claims Handling
A smooth and efficient claims process.
UK Based Customer Support
Our UK sales team are here to help.
Frequently
Asked Questions
What types of insurance do florists need?
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.
Does florist insurance cover stock such as flowers, plants and materials?
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).
Are my floristry tools insured?
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.
Am I insured for perishable stock loss?
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.
Am I covered for off-premises events or installations such as weddings and corporate events?
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.
Does the policy cover damage to clients’ property when installing displays?
No, this policy is designed to cover you to sell your flowers and arrangements either as a stallholder, online or from a shop.Â
Does the insurance cover stock in transit between events or delivering items?
Yes, your Stock Cover applies while in transit. However, please note that theft from unattended vehicles is not covered under this policy.
Discover more from Protectivity
This page content has been created for general information and should not be taken as advice.
*Prices quoted refer to a quote raised from our website 01/10/2024. Prices will differ depending on requirements. Make sure you have the correct level of cover for what you need. For the most accurate pricing, please get a quote and for full details on what is covered refer to our policy documentation with your quote.
** Based on Protectivity sales data from 2007 to Sep 2024
ˆ10% discount for policies bought online and applies only to the first-year of your policy premium. Protectivity reserves the right to amend or withdraw this offer at any time. Available to UK residents only.
¹Based on live Feefo data