Combined & Package Florist Insurance

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A single, flexible insurance package combining essential cover for florists, flower shops, online florists and delivery-based floristry businesses.

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We compare quotes from leading insurers

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

ONE POLICY. MULTIPLE PROTECTIONS FOR FLORISTS

Combined or package florist insurance brings multiple essential covers together under a single policy. Rather than managing several separate insurance policies, florists can protect their business, staff, customers and income with one streamlined solution.

Whether you run a high-street florist, an online flower business, a studio-based operation or provide delivery and event floristry, a combined policy can be tailored to your exact trading model. Insure24 helps florists arrange flexible packages that reduce gaps in cover and simplify administration.

What Does Combined Florist Insurance Cover?

A combined florist insurance policy can include the core covers most floristry businesses rely on, with optional extensions depending on risk and scale.


  • Public & products liability insurance
  • Employers’ liability insurance (if staff are employed)
  • Stock, contents, fixtures and fittings cover
  • Business interruption & loss of income
  • Goods in transit & delivery risks
  • Commercial vehicle cover (optional)
  • Theft, fire, flood and accidental damage

Benefits of a Combined Insurance Package for Florists

Many florists choose a package policy because it offers clarity, convenience and often better value.


  • Reduced risk of gaps or overlapping cover
  • Single renewal date and insurer
  • Often more cost-effective than separate policies
  • Simpler claims handling
  • Easier to adjust as your business grows

Who Is Combined Florist Insurance Suitable For?

Package florist insurance is suitable for most floristry businesses, particularly those with multiple risk exposures.


  • High-street and independent florists
  • Online florists and e-commerce flower sellers
  • Florists offering delivery services
  • Event and wedding florists
  • Growing or multi-site floristry businesses

How Much Cover Should a Florist Package Policy Include?

The right level of cover depends on the size of your business, stock values, delivery activity and contractual requirements.


  • Public liability limits commonly between £1m and £5m
  • Stock and contents insured at full replacement value
  • Business interruption based on realistic turnover
  • Goods in transit limits reflecting delivery values

Insure24 helps florists assess risk accurately so policies remain effective when needed.

FREQUENTLY ASKED QUESTIONS

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What is combined florist insurance?

Combined florist insurance brings multiple essential covers together under one policy, such as liability, stock, business interruption and delivery risks.

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Is combined insurance cheaper than separate policies?

Often yes. Package policies can be more cost-effective and reduce administration compared to arranging multiple standalone policies.

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Can I customise a florist package policy?

Yes. Combined florist insurance can be tailored to include only the covers relevant to your business.

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Does a combined policy include employers’ liability?

Employers’ liability can be included and is legally required if you employ staff.

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How quickly can combined florist insurance be arranged?

In many cases, combined florist insurance can be arranged within 24–48 hours once underwriting details are confirmed.

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