Employers’ liability insurance is a legal requirement for most florists who employ staff - including part-time workers, apprentices, seasonal staff and even unpaid family members.
This insurance protects your business if an employee suffers injury, illness or disease as a result of their work and makes a compensation claim against you.
In the UK, employers’ liability insurance is required by law if you employ anyone, with limited exceptions. The minimum legal cover is £5 million.
Failure to hold employers’ liability insurance can result in fines of up to £2,500 per day and enforcement action by the Health and Safety Executive.
Covers compensation claims if an employee is injured or becomes ill as a result of their work for your florist business.
Covers solicitors’ fees, court costs and expert reports, even if a claim is defended successfully.
Protects against claims made years after exposure, such as repetitive strain or occupational illness.
Covers seasonal and temporary workers, provided they are declared correctly.
Florists operating multiple shops or studios need employers’ liability insurance that applies consistently across all locations.
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