Florists' insurance

Price beat guarantee

We guarantee to beat your new insurance quote or renewal premium from any other insurer.

To redeem and for full Terms & Conditions, click here.

New customers only. Cover on an equivalent basis to ours. Qualifying criteria apply.

Stolen laptop? Damaged mobile? We'll replace your essential tech within 24hrs of claim approval, with Business Tech Essentials.

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

  • Whether you own a flower shop, arrange flowers for events, sell online or run a mobile business, we can cover you.
  • 0% APR on your monthly Direct Debit payments in the first year and no admin fees if you need to amend your policy.

    Over 18s, subject to eligibility.

  • We won't be beaten on price. We'll beat your new business insurance quote or renewal premium from any other insurer.

    Excludes van. New customers only. Cover on an equivalent basis to ours. Qualifying criteria apply. Terms & Conditions.

Personalised insurance for florists

Whether you're arranging flowers for a wedding, designing the centrepiece for a gala or crafting a Valentine's bouquet, you get to help your customers make special occasions even more memorable.

But if something goes wrong, and you're not able to deliver what you promised, sending a bunch of flowers to say sorry may not cut it.

Whether you trade online, at markets or on the high street, having the right insurance in place is essential if you want your flower business to blossom.

We let you design your own florist insurance policy. That means you get insurance that's just right for your business, and you won't pay for cover you don't need.

Get a quote
or call us on 0345 605 9168

Your cover options

Pick and choose from the cover options below to get a personalised policy that will help your business flourish. These covers are subject to policy conditions and limits.

  • Public liability

    No matter how carefully you run your floristry business, accidents can happen, and some accidents can be expensive.

    If a member of the public slipped on a wet floor at your flower shop and sprained their ankle, they could make a claim against you. Similarly, if you're decorating a venue and one of your employees damages the fixtures and fittings, you may be expected to foot the bill.

    Having public liability insurance in place will mean you're covered if someone makes a claim against your business.

    At Direct Line for Business, we offer public liability insurance from £1 million to £10 million.

  • Employers' liability

    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.

  • Buildings cover

    If there is an insured event such as a flood or fire at your work premises, buildings insurance will cover the costs of repairing the damage, helping you get back up and running.

    Equipment breakdown cover (for items forming part of the building) is included as standard. This would cover the costs of replacing or repairing items like your broken boiler and fire/burglar alarms, as long as the damage is not due to wear and tear.

  • Contents and stock

    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.

  • Theft of takings

    If your business handles cash and cheques, this policy will cover you in case of theft from you, your premises or anyone working for you.

  • Business interruption

    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.

  • Legal expenses

  • Personal accident

    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.

What happens if I want to make changes to my policy?

We know that businesses grow and change over time. One minute you're trading at flower markets, the next you own your own florist shop and need to employ staff.

At Direct Line for Business, we won't charge you admin fees to make changes to your florist insurance policy. So, whether you want to prune your business or expand your offering, you can make changes whenever you need to.

Get a quote
or call us on 0345 605 9168

Policy documents

If you have an existing quote or policy with us, you can view and download your policy documents from the My Account page.

We tailor all our policies, so your documents only show what you’ve chosen to cover.

Below is a summary of a generic policy, from 25 October 2020 onwards, which shows the main covers and exclusions in our policies.