Here are some of the key risks for florists:

• A customer, delivery driver, contractor, or other member of the public could slip on a patch of water, resulting in a compensation claim.
• A member of staff could cut themselves while using a pair of secateurs of pruning scissors.
• Fire, flood, or theft could lead to loss or damage to stock, while also damaging your equipment and your premises.
• A power failure could affect your environmental controls, causing your stock of flowers to spoil.

Florist insurance can cover you for all of these key risks, and more. Here are some key insurance products for florists:

• Public liability insurance – Cover for any accidents and injuries members of the public may sustain while visiting your florist.
• Employer’s liability insurance – You are legally required to get employer’s liability insurance if you employ any staff. It will cover your employees for any accidents, injuries, or illnesses they suffer on the job.
• Professional liability insurance – This can cover claims involving alleged misconduct. For example, a commercial client might claim you incorrectly advised them on flower storage or longevity, resulting in a financial loss.
• Contents and premises insurance – Following a fire, flood, or break in, contents and premises insurance can cover your building, along with all of your fixtures, fittings, and equipment, for repairs and replacement.
• Stock insurance – If a power failure affects your florist’s environmental controls, stock insurance can cover any flowers or plants that get spoiled as a result.
• Business interruption insurance – This can cover your business overheads if you need to temporarily close following an incident such as a fire, flood, or robbery.
• Legal Fees – Helps cover the cost of legal advice and representation if your business faces a legal dispute. Some policies may also contribute towards certain employment‑related compensation awards, subject to policy terms and insurer approval.

As we mentioned above, public liability insurance will cover customers, contractors, delivery drivers, and other members of the public for any accidents and injuries they suffer on your premises.

This is a particularly important area of cover for florists, because a florist shop can be a surprisingly hazardous environment. This is largely due to the amount of water necessary to keep flowers and plants healthy. An employee could quite easily spill a little when watering your stock, and a customer could quite easily let some water slip from a flower bucket. This could create a slippery puddle, which people might not even notice until it is too late.

Following an accident or an injury, your public liability insurance can cover any legal costs or compensation payments that may arise. It can also cover damage to property, such as if a customer accidentally drops and damages their smartphone after slipping in your shop.

Our experienced team of risk assessment experts can help you understand the unique risks you face as a florist. As an independent Lloyd’s broker with a dedicated team of experienced insurance professionals, we can then help you access the specialist cover you need at the best price.