Temporary Closure & Refurbishment Insurance for Florists

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Specialist insurance protection for florists during temporary closure, renovations, refits and refurbishment projects.

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We compare quotes from leading insurers

  • Allianz
  • Aviva
  • QBE
  • RSA
  • Zurich
  • NIG

INSURANCE PROTECTION WHEN YOUR FLORIST BUSINESS IS CLOSED

Florists may temporarily close their premises for many reasons - refurbishment, shop refits, relocation, seasonal shutdowns or unexpected repairs. During closure, insurance risks can change significantly, and standard policies may not provide adequate protection unless insurers are informed.

Temporary Closure & Refurbishment Insurance ensures your florist business remains protected while trading is paused or building work is underway. Insure24 helps florists arrange cover that reflects reduced occupancy, increased theft risk and refurbishment-related exposures.

What Does Temporary Closure & Refurbishment Insurance Cover?

This type of cover protects florists while premises are unoccupied or undergoing renovation, ensuring insurance remains valid.


  • Fire, flood and escape of water during closure
  • Theft, vandalism and malicious damage risks
  • Damage during refurbishment or shop fitting
  • Protection for fixtures, fittings and equipment
  • Public liability during renovation works
  • Cover aligned with insurer unoccupancy conditions

Key Risks Florists Face During Temporary Closure

When a florist shop is unoccupied, certain risks increase significantly.


  • Higher risk of theft and vandalism
  • Delayed detection of water leaks or fire
  • Invalidated cover due to unoccupancy clauses
  • Increased liability risk during building works
  • Damage to equipment and fittings

Insurance Considerations During Florist Refurbishment

Refurbishment and refitting works can introduce new risks that must be disclosed to insurers.


  • Hot works and electrical alterations
  • Contractors working on site
  • Temporary removal of security systems
  • Movement or storage of stock and equipment

Insure24 helps ensure your policy reflects the scope and duration of refurbishment works.

Who Needs Temporary Closure Insurance?

This cover is important for any florist closing premises for more than a short period.


  • Florists refurbishing or refitting shops
  • Seasonal or temporary closures
  • Florists relocating premises
  • Businesses paused due to repairs or damage
  • Multi-site floristry operations

FREQUENTLY ASKED QUESTIONS

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Do I need to tell my insurer if my florist shop is closing temporarily?

Yes. Most insurers require notification if premises are unoccupied beyond a set period, often 30 days, to ensure cover remains valid.

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Does insurance still cover theft during closure?

Theft can still be covered, provided unoccupancy conditions are met and insurers are informed.

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Is refurbishment work covered under standard florist insurance?

Not always. Refurbishment works often need to be disclosed and may require policy extensions.

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Does this cover include public liability during renovations?

Public liability can be maintained during refurbishment, subject to insurer approval and declared works.

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How quickly can temporary closure cover be arranged?

In many cases, temporary closure and refurbishment cover can be arranged within 24–48 hours once details are confirmed.

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