Florists Insurance

Florists Insurance

insurance for flower shops

As a florist, you will be open to the public and will work direct with people which presents risks. Within your working areas there are conditions such as water on the floor, thorns, allergies, and more that could all pose a risk to someone. Florists insurance will help you if you are faced with a claim made against you such as damage or a customer slipping on a wet floor, and provide the financial protection you could need against possible risks that could damage your business profits.

At The Insurance Octopus, our comprehensive cheap business insurance policies are specially designed and tailored with you in mind, matching your exact requirements.  This ensures that you are able to tailor your florists insurance or flower shop insurance exactly the way you want it, providing all of the essential cover you need in one business insurance policy.

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Or call us on 0161 968 2041, Mon to Fri 9am - 5.30pm

What your Florists Insurance Policy includes

florist shop retailer

Public Liability insurance

Public Liability insurance covers your business if someone gets hurt or property is damaged in the course of your business. Available levels of cover options are £1m, £2m or £5m.

Public & Employers Liability

Public & Employers Liability is a legal obligation and covers retailers dealing directly with the public so it is a consideration to have a minimum cover in place. As a retailer, you will have a legal responsibility to ensure that you have provided safe and secure surroundings for your employees and any visitors to your business premises. Public & Employers Liability cover is available as £2, £5m and £10m.

Buildings and Contents cover

Buildings and Contents cover will protect the sums insured to match the levels of protection you need including glass, shop fronts, signs and much more. Should your business premises be damaged then your contents may well be damaged too. Tailored cover will give you piece of mind.

Stock Insurance protection cover

Stock Insurance protection for every florist is different and each will have various levels of stock. By making sure your flower shop insurance is the correct level there will be no need for you to be paying for more than you need. But remember, quoting for less than you need could also be devastating for your financial status.

Business Interruption, Cash on Premises, and Goods in Transit

Business Interruption, Cash on Premises, and Goods in Transit are all additional add-ons that can be increased or decreased as required. By having flexibility with your business insurance policy from The Insurance Octopus you can make sure your insurance is exactly what you will need.

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Or call us on 0161 968 2041, Mon to Fri 9am - 5.30pm

Why you need Florists Insurance

calla lily flowers retail

As a retail shop owner, you are at risk from many eventualities, from malicious damage to theft of stock by burglary or theft of monies by an employee. All of these risks factors need to be considered when looking for a comprehensive retail shop insurance policy. Running a business can be highly profitable so you need to be able to protect your business and yourself from financial loss.

Additionally Retail insurance can also protect you against compensation claims and legal expenses. Even if you win a case, legal fees can be considerable so it is important for your financial success that you are covered by public & employers liability insurance.

Choosing the right insurance package that suits your business including any additional items you may require is an important aspect of owning a business, which is why The Insurance Octopus will endeavour to put a policy together for you that suits all of your requirements.

Get your quote

Or call us on 0161 968 2041, Mon to Fri 9am - 5.30pm

Why choose The Insurance Octopus?

When you’re considering taking out a policy, one of The Insurance Octopus’ specialists will discuss your business requirements with you and compare personalised quotes from a number of major insurance providers. You will get a bespoke policy that ensures you only pay for the cover you need.

We can provide you with your business insurance and documents on the same day in most cases, offering a range of flexible payment options, including Direct Debit.

Speak to us today to get a quote.

Get your quote

Or call us on 0161 968 2041, Mon to Fri 9am - 5.30pm