Florist Insurance Checklist

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A practical insurance checklist for florists - helping you review risks, avoid underinsurance and protect your business properly.

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We compare quotes from leading insurers

  • Allianz
  • Aviva
  • QBE
  • RSA
  • Zurich
  • NIG

INSURANCE CHECKLIST FOR FLORISTS

Why Every Florist Needs an Insurance Checklist

Florists often build insurance cover gradually as their business grows. Over time this can result in gaps, outdated sums insured or policies that no longer reflect how the business actually trades.

This florist insurance checklist helps you review your risks methodically - whether you operate a high-street shop, studio florist, wedding florist or wholesale floral business.

Florist Insurance Checklist – What to Review

Use the checklist below to ensure your florist insurance accurately reflects your risks, assets and trading activities.


  • Public liability limits for customer injury claims
  • Employers’ liability if you employ staff
  • Contents cover for tools, equipment and fittings
  • Stock values including peak seasonal increases
  • Spoilage and refrigeration breakdown exposure
  • Theft, burglary and vandalism risks
  • Business interruption sums insured
  • Indemnity period length (12–24 months)
  • Off-site and delivery activities
  • Wedding, event and contract work
  • Legal expenses and compliance support

Why Review Your Florist Insurance with Insure24?


  • Specialists in florist and retail insurance
  • Gap analysis against real trading risks
  • Advice on avoiding underinsurance
  • Access to leading UK insurers
  • Ongoing support as your business grows

FREQUENTLY ASKED QUESTIONS

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How often should florists review their insurance?

At least annually, or whenever your business changes significantly.

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Why is underinsurance a problem for florists?

Underinsurance can reduce claim payouts and leave florists with uninsured losses.

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Does this checklist apply to wedding florists?

Yes. Wedding and event florists should pay particular attention to liability and contract risks.

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Is business interruption often overlooked?

Yes. Many florists underestimate how long recovery after a loss can take.

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Can Insure24 review my existing policy?

Yes. Insure24 can review your current florist insurance and identify gaps or improvements.

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