Florists regularly interact with customers, suppliers and members of the public. Whether you operate from a high-street shop, a studio, a market stall or deliver flowers directly to customers’ homes, accidents can happen. Public & Customer Liability Insurance helps protect florists if someone is injured or their property is damaged as a result of your business activities.
Claims can arise from slips and trips in your shop, injuries during deliveries, or damage caused by equipment, displays or floral installations. Without the right cover, legal defence costs and compensation payments can be financially devastating. Insure24 helps florists arrange specialist liability insurance that reflects how they trade.
Public and customer liability insurance protects florists against claims made by third parties for injury or property damage connected to the business.
These two covers are often provided together but protect against different risks.
Covers injury or property damage caused by your business activities, such as a customer slipping in your shop or being injured during a delivery.
Covers claims arising from products you supply, such as allergic reactions or injuries caused by floral arrangements, containers or accessories.
This cover is strongly recommended for most floristry businesses, regardless of size or trading model.
The level of cover required depends on customer footfall, delivery activity and contractual requirements.
Insure24 can help assess your exposure and recommend appropriate limits.
Is public liability insurance legally required for florists?
Does public liability cover flower deliveries?
Do florists need products liability insurance?
Does public liability cover market stalls and pop-ups?
How quickly can florist public liability insurance be arranged?
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