Florists' insurance

Employers' liability insurance covers the costs you are liable to pay if an employee gets injured or becomes ill because of the work they do for you. For example, if a vase falls on an employee at your flower shop or if they fall off a ladder while arranging a display.

In most cases, holding valid employers' liability insurance is a legal requirement if you have employees. It doesn’t matter if your employee works for you on a one-off basis, for example at a flower show or market, or helps you full time at your shop, they still need cover.

At Direct Line for Business, we will cover you for £10 million, as standard.

Contents and stock cover can form a valuable part of your florist insurance, and can come in handy when events that are outside of your control impact your business activities.

For example, if your flowers get damaged because of an insured event, such as a fire or flood, the day before you’re due to decorate a wedding venue, you’ll need to replenish your stock quickly. Otherwise, you risk disappointing customers and losing business. Similarly, if your computer is stolen, you might not be able to make sales or manage upcoming deliveries.

Our contents and stock insurance covers all your essential business equipment against theft, loss and damage (excluding damage caused by wear and tear).

We also offer property away cover, which means you can insure your business contents on the go, away from your work premises. For example, when transporting stock from one venue to another.

And now with Business Tech Essentials, if your essential tech is stolen or damaged, we'll replace it within 24 hours from claim approval.

When you cover your electrical items and tech you get Business Tech Essentials. Which means if your essential tech - like laptops, mobiles or tablets - are stolen or damaged we'll replace them within 24 hours of claim approval.

Cover & claim limits apply. Mon – Fri 8am – 6pm, except Bank holidays.

Whether you run an online florist from home, own a flower shop or work at your clients' premises, if your working premises becomes unusable, you could be prevented from trading.

If you add business interruption to your florist insurance policy, we'll cover the cost of temporarily relocating if your working premises becomes unusable due to an insured event such as a fire or flood. We can also cover you for any lost turnover during this time if you've insured your premises or business property with us.

If your main supplier or customer suffers damage to their premises and can't trade, we'll cover you for the loss of business you'll suffer.

Our business interruption insurance can also cover you if you or one of your key employees becomes seriously disabled and is unable to continue work. We will cover the incurred costs, up to £25,000, to minimise any interruption to the business.

Personal accident cover provides payment if anyone in your business between the ages 16-75 is unable to work because they've been injured in an accident, whether in a business or personal capacity.

We'll pay a lump sum of £50,000 if there is an accidental death, accidental loss of limbs or sight, or if someone in your business becomes permanently disabled following an accident.

If someone in your business is unable to work due to a temporary injury, then after 7 days we'll pay their normal net weekly earnings up to £500 for up to 104 weeks.

You can choose Personal Accident as an add-on once you've completed your quote.