Floristry is one of the most seasonal retail businesses in the UK. Periods such as Valentine’s Day, Mother’s Day, Christmas and the summer wedding season can account for a significant proportion of annual turnover - often compressed into a few intense trading weeks.
During peak periods, florists typically carry higher stock levels, employ temporary staff, work longer hours and trade at increased pressure. These factors significantly increase the risk of theft, damage, liability claims and business interruption.
Seasonal and peak period risk insurance ensures your florist business remains fully protected when exposure is at its highest.
Each of these periods presents different risks, requiring flexible insurance limits that reflect real-world trading conditions.
During peak periods, florists may hold several times their usual stock value. Without adequate insurance, losses caused by fire, flood, theft or refrigeration failure can be financially devastating.
Seasonal stock extensions ensure your insurance automatically reflects higher peak values without requiring constant policy changes.
Many florists employ additional staff during busy periods. Employers’ liability insurance is legally required for all staff, including temporary and casual workers.
Seasonal risk cover ensures staffing changes do not leave gaps in liability protection.
Longer opening hours increase footfall, handling pressure and accident risk. Extended hours can also increase exposure to theft and break-ins.
Insurance should reflect extended opening times and higher activity levels.
Peak wedding season introduces additional off-site risks, including transport, installation, venue requirements and higher-value arrangements.
Seasonal risk cover ensures liability and stock protection remains in place when working at venues and events.
Seasonal peaks often coincide with adverse weather - winter storms, summer heatwaves or flooding - all of which can disrupt deliveries, damage stock or reduce footfall.
Insurance can be structured to protect income and stock during weather-driven disruption.
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