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Florist Insurance
Compare florist insurance quotes
Tailored florist insurance from 82p a day*
Protect against claims by the public, customers or employees
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Compare florist insurance
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Bionic provides business insurance for small business, like your bakery
Get cover to protect against claims from employees, customers & more
Get the protection you need with no unnecessary extras that you don’t want
What is...
florist insurance?
When you’re busy selling flowers or crafting beautiful bouquets, business insurance is probably the last thing on your mind. Whether you have a shop with employees or a market stall, you still need to consider it. Your shop could suffer a break-in, your customer slips over on a wet floor or an employee could injure themselves at work.
That’s why it’s best to have your back covered should the worst ever happen.
Florist insurance offers tailored cover for business owners of flower shops, stalls or online businesses. It can provide a financial safety net, protecting against unforeseen events and gives you peace of mind so you can focus on running your business.
Why do florists need insurance?
Your floristry business could run into trouble if you don’t have sufficient cover in place to protect other areas of your business. For example:
- You could suffer a break-in, causing damage to your property and supplies
- A customer could slip and fall in your store, causing injury
Without sufficient cover, you could end up paying out of your own pocket if you need to make a claim or if someone makes a claim against your business. Policies vary per provider, always check the small print for limits and exclusions.
What does florist insurance cover?
Policies will vary per provider, and terms and conditions apply, so always check the small print in your policy wording to see what’s included and excluded. Your insurance package could include:
Public liability insurance
In case you injure someone or damage something while providing your services.
Employers’ liability insurance
In case an employee gets ill or injured because of the work they do for you. A legal requirement if you have employees.
Commercial building insurance
To protect business premises that you own, whether you're using them or renting them out to others.
Stock and contents insurance
Provides cover for stock, including food & drink supplies, against theft or damage by fire or other insured events.
Business Interruption Insurance
Covers lost income if your commercial property has to close due to material damage
Who needs florist insurance?
Whether you sell wedding flowers or arrangements for a funeral and everything in between, we can help insure:
- Flower shops
- Flower market stalls
- Wedding florists
- Corporate florists
- Funeral florists
- Freelance florists
Florist insurance can protect your stock, tools, and employees, allowing your blooms to brighten lives without you suffering from unexpected financial setbacks.
James Barwell, Insurance Director
How much is florist insurance?
Florist insurance could cost from 82p a day*
Your actual price for flower shop insurance depends on your requirements. This is because your business is unique, and prices depend on a number of factors, including:
- Extent of cover — The more cover you opt for, the more expensive your package will likely be.
- Your insurer — Depending on who is willing to insure you, the price for their policies will vary.
- Location — The location of your business is taken into consideration when calculating the cost of your premiums.
- Claims history — If you’ve made a previous claim on your policy or had claims made against you, it may affect your future premiums.
*This price is for a shops and salons policy – 10% of customers who were sold with one of our panel providers paid £300.23 or less annually (excluding any additional administration fees) between 01/01/25 & 31/12/2025. Equivalent to £25.02 a month or £0.82 a day (and excludes the extra costs for paying monthly). Your actual policy and price may vary depending on your business requirements.
What about if you’re a freelance florist?
Even if you’re a freelancer, as you go about your work visiting venues, events and clients – you still face risks. Public liability insurance can help cover you if you’re out and about dropping off arrangements.
Compare insurance for florists with Bionic
The cheapest insurance isn’t always the best. At Bionic, we work with a panel of trusted providers to help you get quality insurance so you can rest assured it meets the needs of your business.
Our UK-based team helps business owners daily to compare business insurance and find the right insurer that fits. Get in touch with us today by starting a quote online.
How Bionic business insurance comparison works
Compare insurance quotes in three simple steps
1
Start your quote online
Speed up the process by submitting basic business details online – whenever you have time.
2
Speak to our UK-based team
Schedule a call with one of our insurance brokers to discuss the details to ensure they’re correct.
3
Compare tailored quotes
Get your quotes from our panel of trusted insurers and through any questions with our team.
What do I need to get started?
You only need a few details to get started with getting a business insurance quote online, so it’s best to have the following information ready to go:
Your business name and trade
Your policy start date
Your name and contact details to receive your quote options
You may be asked additional questions about business activities
Florist Insurance FAQs
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