Running a florist shop or retail flower outlet comes with a unique mix of risks. From high-footfall locations and fragile stock to refrigeration needs, seasonal trading peaks and public liability exposure, florist retailers require specialist insurance that reflects how their business actually operates.
Insure24 provides tailored florist shop insurance for independent high-street florists, shopping centre kiosks, retail units and multi-site flower retailers across the UK.
Whether you sell bouquets, plants, gifts or provide wedding and event services from your shop, we can arrange cover that protects your premises, stock, staff and customers.
Florist shops are open to the public daily and often display water-filled buckets, stands, wires and decorative items that can create trip or slip hazards.
Public liability insurance protects your business if a customer or visitor is injured or their property is damaged while on your premises.
Cover is especially important in busy high-street locations and shopping centres with high footfall.
Florist stock is fragile, perishable and sensitive to temperature changes. Insurance can protect fresh flowers, plants, wreaths and arrangements against theft, damage and insured losses.
Cover can be tailored to include seasonal increases during Valentine’s Day, Mother’s Day, Christmas and wedding season.
Many florist shops rely on refrigeration units to preserve fresh flowers. Mechanical failure, power cuts or temperature control issues can quickly lead to significant stock losses.
Refrigeration and stock deterioration cover helps protect against these costly and often sudden losses.
If you employ staff - including part-time, seasonal or family workers - employers’ liability insurance is a legal requirement in the UK.
This cover protects you if an employee is injured or becomes ill as a result of their work.
Retail florists may hold cash, high-value gifts, equipment and seasonal stock, making them targets for theft and vandalism.
Insurance can cover losses from break-ins, malicious damage and theft, subject to security requirements such as alarms or shutters.
Many florist shops also deliver flowers or provide wedding and event services. These activities introduce off-site risks and transport exposure.
Goods in transit and off-site working extensions ensure cover continues beyond your shop premises.
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