Florist making flower bouquets


Florist Insurance

We compare quotes from leading insurers
Every business owner will appreciate that finding the time to arrange your insurance can be tough, particularly when running a flower shop.

That’s why we’ve made it easy for you to compare quotes online from a panel of the UK’s most trusted insurers to find the cover that’s right for your flower shop.

With so many options available, we offer the perfect solution to make arranging your florist insurance simple and hassle free. You can protect your business online in a matter of minutes if you don't need any advice from us or call to speak to our expert advisors who are on hand to offer advice and make professional recommendations based on your flower shop needs.

We are committed to finding you the right insurance for your florists at the right price, and we're on hand to support you for the duration of your policy.

If you know the covers you require, it's quick & easy to compare shop insurance quotes from a selection of insurers on our website.
Unsure of your cover requirements or looking for insurance advice? We'll call to arrange a new insurance quote at a time that's convenient for you

Our advisors are just a phone call away. On average, we answer calls within 90 seconds.

Lines open Monday to Friday 9:00am–5:00pm

Florist and flower shop insurance protects you against a number of events that could lead to financial losses or claims being made against you. It’s designed to protect you and let you work without worry. Without the right cover in place, you could find yourself personally liable for business losses and third party claims.
When deciding what insurance and covers you need to protect your business, you should consider the following:
Whether you sell flowers from your shop or make floral arrangements for corporate events and weddings there are risks which can be protected if you have the right insurance in place. For instance, wet floors from water spillages could cause a slip, glass breakages from vases could cause an injury, even certain flowers could cause staining on your customers clothing. A florist shop insurance package is something you should consider to protect against these types of risks. It’s there to protect your stock and equipment, customers, employees and legal liabilities as a flower shop owner.

At Premierline, we can arrange flexible florists insurance policies that can be as simple or comprehensive as you need depending on your business requirements. There are a variety of insurance covers a florist should consider to protect their business and livelihood, just some of these are summarised below:

  • Florist public liability – for injured shop visitors or damage to their property.
  • Employers' liability – a legal requirement to protect your shop employees.
  • Product liability - in case your products cause injury or damage.
  • Shop contents and stock - to help you replace equipment and floristy stock.
  • Business interruption – to keep finances running when disaster strikes.
  • Money cover – for theft or attempted theft.
  • Goods in transit – to cover for loss or damage to stock when in transit, loading or unloading.
  • Commercial legal expenses – to cover the cost of legal expenses or defending your shop against legal action.
  • Buildings cover - to cover for loss or damage to your premises.
  • Commercial vehicle and mini fleet - to protect your vehicles, drivers and legal liabilities when on the road making flower deliveries.

The cost of your florist insurance will depend on your business activities, for example do you deliver flowers locally or nationally? Do you supply and set up arrangements at other locations and events?

The policy cost will also depend on your business location and the amount and type of covers you require to protect your shop. Like any other insurance, generally the more cover you require the higher the premium.

The value you gain from having the right cover in place is a huge benefit to your business. A florist insurance policy is a product that you have paid for that you may never get to use, but also a product that you hope that you will never need to call on.

Premierline has many years of experience arranging insurance solutions for independent florists. So, we arrange insurance for shops that’s designed to offer all the protection you need.
Try to have your existing insurance schedule and renewal notice available as this will give us the majority of the information that we will need. However, if you are a new business, don't worry - our business insurance advisors will be able to guide you through the process of understanding and identifying your insurance needs.
We will email your policy documentation to you which means you will receive these straight away. Alternatively, if you would prefer your documents to be posted, you will normally receive them within 5 working days.
You can pay annually using a credit/debit card or by making an electronic payment. Alternatively you can manage your payments through a monthly Direct Debit plan with our approved premium finance provider, Premium Credit Limited. 
“Great service. Friendly and helpful staff who understood my needs and got me a good price for my shop policy.”
Household Goods Retailer
Customer since October 2023
4.7/5 stars
341 customers have happily rated our service on Feefo over the past 12 months.
Feefo Awards: Platinum Trusted Service & 10 years of proven Trusted Service

For consistently winning a Trusted Service Award for customer excellence over the past 10 years.
Don't just take our word for it, read more of our customer testimonials and reviews.
All these covers can be tailored to your individual requirements to make managing your flower shop insurance policy as easy as possible giving you peace of mind to let you work without worry. Compare policies and get florist insurance quotes online or for advice call our expert advisors.
If you know the covers you require, it's quick & easy to compare shop insurance quotes from a selection of insurers on our website.
Unsure of your cover requirements or looking for insurance advice? We'll call to arrange a new insurance quote at a time that's convenient for you

Our advisors are just a phone call away. On average, we answer calls within 90 seconds.

Lines open Monday to Friday 9:00am–5:00pm