Florists Insurance
Protect your florist business from delivery claims, customer injuries and stock losses with cover designed for flower shops and floral services.
Get in touchWhat is florists insurance?
Florists insurance is a specialist policy designed to protect retail businesses from the risks of selling products, managing premises and employing staff. It typically includes public liability, employers liability, stock cover and buildings and contents insurance.
Running a retail business involves risks from customer injuries and product claims to theft and property damage. The right insurance protects you against claims that could otherwise threaten your business.
Find insurers who understand retail and ecommerce businesses, so your cover reflects the products you sell and the channels you trade through.
Public Liability
Covers claims from customers for injury at your florist shop.
Employers Liability
Required by law if you employ anyone, covering employee injury or illness claims.
Buildings and Contents
Covers your shop premises, cold storage and flower stock.
Commercial Vehicle
Covers your delivery vehicles used to transport arrangements.
Who needs florists insurance?
High street florists
Operating a flower shop with delivery services
Wedding florists
Specialising in wedding flowers and event arrangements
Online florists
Taking orders and delivering flowers through a website
Funeral florists
Providing floral tributes for funerals and memorial services
WHY CECIL
Built differently.
Cover for florists risks
Florists face specific risks from product claims to customer injuries. Cecil finds insurers who understand your retail sector and cover these risks properly.
Stock and premises protected
Your stock and premises are your primary assets. Cecil ensures your policy covers the full value of your inventory and business property.
Products liability included
If a product you sell causes injury or damage, products liability covers the claim. Cecil makes sure this is part of your retail insurance package.
Competitive quotes for retailers
Get options from specialist insurers to find retail insurance from specialist providers. Cover that reflects the specific risks of your business, not a generic commercial policy.
Common questions about florists insurance
Do florists need public liability insurance?
Yes, public liability is essential for retail businesses. Customer injuries on your premises and product-related claims are real risks that require proper cover.
Does florists insurance cover stock theft?
Yes, your buildings and contents policy typically covers stock theft, subject to security requirements. Cecil ensures your stock is covered at its full value.
Do florists need products liability insurance?
If you sell products to customers, products liability covers claims if those products cause injury or damage. It is an essential part of retail insurance.
What level of public liability do florists need?
Most retailers carry between £1m and £5m of public liability cover. Shopping centre landlords and market operators may specify minimum levels.
Does florists insurance cover online sales?
Products liability covers your products wherever they are sold. If you sell online, make sure your insurer knows about your ecommerce operations.
Interested in Florists insurance?
We will be in contact when Cecil launches.