Contents & Stock Insurance for Florists

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Specialist contents and stock insurance for florists - protecting flowers, plants, tools, equipment, fixtures and fittings against theft, damage and insured losses.

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We compare quotes from leading insurers

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

CONTENTS & STOCK INSURANCE FOR FLORISTS

Why Contents & Stock Insurance Is Essential for Florists

Florists rely heavily on physical assets to trade successfully. From fresh flowers and plants to refrigeration units, floral tools, display units and specialist equipment, the majority of your working capital is tied up in contents and stock.

Contents & Stock Insurance protects your florist business if these items are damaged, destroyed or stolen following insured events such as fire, flood, theft or malicious damage.

Common Contents & Stock Risks for Florists

Whether you operate a high-street florist, studio florist or wholesale floral unit, contents and stock are exposed to a wide range of risks every day.


  • Theft of flowers, plants or tools
  • Fire or smoke damage to stock and fittings
  • Water damage from refrigeration or displays
  • Vandalism or malicious damage
  • Damage during busy trading periods
  • Loss of imported or high-value stock
  • Underinsurance due to seasonal stock levels

Why Choose Insure24 for Florist Contents & Stock Insurance?


  • Specialists in florist and perishable stock risks
  • Guidance on correct sums insured
  • Options for seasonal stock fluctuations
  • Cover for shops, studios and warehouses
  • Fast quotes from leading UK insurers

FREQUENTLY ASKED QUESTIONS

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Does this insurance cover fresh flowers and plants?

Yes. Contents & stock insurance can include cover for fresh flowers and plants against insured events.

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Are tools and equipment included?

Yes. Floral tools, refrigeration units and equipment can be included.

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How do seasonal stock increases affect cover?

Seasonal increases should be disclosed so cover reflects peak stock values.

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Does this cover theft?

Theft cover can be included, subject to security requirements.

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Is contents insurance included in combined florist policies?

Yes. Contents & stock insurance is usually included within combined florist policies.

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