Florist insurance

Whether you sell flowers from your shop or make floral arrangements for corporate events and weddings there are risks which can be protected if you have the right insurance in place. For instance, wet floors from water spillages could cause a slip, glass breakages from vases could cause an injury, even certain flowers could cause staining on your customers clothing. A florist shop insurance package is something you should consider to protect against these types of risks. It’s there to protect your stock and equipment, customers, employees and legal liabilities as a flower shop owner.

At Premierline, we can arrange flexible florists insurance policies that can be as simple or comprehensive as you need depending on your business requirements. There are a variety of insurance covers a florist should consider to protect their business and livelihood, just some of these are summarised below:

• Florist public liability – for injured shop visitors or damage to their property.
• Employers’ liability – a legal requirement to protect your shop employees.
• Product liability – in case your products cause injury or damage.
• Shop contents and stock – to help you replace equipment and floristry stock.
• Business interruption – to keep finances running when disaster strikes.
• Money cover – for theft or attempted theft.
• Goods in transit – to cover for loss or damage to stock when in transit, loading or unloading.
• Commercial legal expenses – to cover the cost of legal expenses or defending your shop against legal action.
• Buildings cover – to cover for loss or damage to your premises.
• Commercial vehicle and mini fleet – to protect your vehicles, drivers, and legal liabilities when on the road making flower deliveries.

More information

The cost of your florist insurance will depend on your business activities, for example do you deliver flowers locally or nationally? Do you supply and set up arrangements at other locations and events?

The policy cost will also depend on your business location and the amount and type of covers you require to protect your shop. Like any other insurance, generally the more cover you require the higher the premium.

The value you gain from having the right cover in place is a huge benefit to your business. A florist insurance policy is a product that you have paid for that you may never get to use, but also a product that you hope that you will never need to call on.

Premierline has many years of experience arranging insurance solutions for independent florists. So, we arrange insurance for shops that’s designed to offer all the protection you need.

Try to have your existing insurance schedule and renewal notice available as this will give us the majority of the information that we will need. However, if you are a new business, don’t worry – our business insurance advisors will be able to guide you through the process of understanding and identifying your insurance needs.

We will email your policy documentation to you which means you will receive these straight away. Alternatively, if you would prefer your documents to be posted, you will normally receive them within 5 working days.

You can pay annually using a credit/debit card or by making an electronic payment. Alternatively you can manage your payments through a monthly Direct Debit plan with our approved premium finance provider, Premium Credit Limited.