Choosing the right insurance structure is just as important as choosing the right level of cover. Florists are often unsure whether they need simple public liability insurance, a combined liability policy, or a full florist insurance package.
The correct option depends on how and where you trade - whether you run a florist shop, operate as a mobile florist, attend markets, supply weddings and events, or employ staff.
This guide explains the differences between public liability, combined liability and package insurance, helping florists choose the right solution.
Public liability insurance protects florists if a member of the public is injured or their property is damaged as a result of your business activities.
For florists, this may include slips and trips in a shop, accidents at market stalls, or damage caused while setting up wedding or event displays.
Public liability insurance is often required by councils, landlords, markets and venues, but on its own it provides limited protection.
Product liability insurance applies when a product you sell or supply causes injury or damage after it has left your control.
For florists, this can include flowers, plants, arrangements, vases, candles, gifts and decorative items.
Public liability alone does not usually cover these risks, which is why many florists require combined liability insurance.
Combined liability insurance brings together public liability and product liability into a single policy.
This is the most common liability solution for florists who sell or supply products, trade at events, or operate from physical premises.
Combined liability provides broader protection than public liability alone and is often a minimum requirement for professional florists.
Employers’ liability insurance is legally required in the UK if you employ staff, including part-time, seasonal or temporary workers.
Many florists only realise they need employers’ liability during peak periods such as Valentine’s Day or wedding season.
Employers’ liability is typically added to a combined or package policy.
A florist insurance package combines liability cover with property, stock and income protection into one comprehensive policy.
This is the most complete solution for florists with premises, equipment, refrigeration and valuable stock.
Choosing the wrong structure can leave critical gaps or result in underinsurance. Insure24 helps match the policy type to how your florist business actually operates.
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