Florists' insurance that helps your business bloom

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.

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.