Florists rely on a wide range of tools, plant and specialist equipment to operate efficiently. From refrigeration units and display equipment to cutting tools, delivery trolleys, ladders and powered equipment, these assets are essential to daily trading.
Plant, tools and equipment insurance protects florists against theft, accidental damage, loss and breakdown of business-critical equipment - whether used in a shop, at a market stall, in a delivery vehicle or at event venues.
Insure24 arranges tailored equipment insurance for florist shops, mobile florists, wedding & event florists and multi-site flower retailers across the UK.
Many of these items are costly to replace and may not be covered under standard contents insurance without a specific plant and equipment section.
Mobile florists and event specialists regularly transport tools and equipment between shops, vans, venues and storage locations. This creates additional exposure to theft, accidental damage and loss.
Plant and equipment insurance can include cover away from fixed premises, including transit, temporary storage and use at wedding or event venues.
Refrigeration units are critical to florist operations. Breakdown or damage can quickly lead to spoiled stock and lost income.
Equipment insurance can be combined with refrigeration breakdown and stock deterioration cover to protect both machinery and flower stock.
Tools and equipment are often targeted for theft, particularly when stored in vehicles, market stalls or temporary venues.
Insurance can cover losses from break-ins and malicious damage, subject to reasonable security precautions.
Florists often hire refrigeration units, display equipment or event infrastructure during peak periods. Hired-in plant insurance protects equipment you are legally responsible for under hire agreements.
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