Florist insurance

Florists Insurance

Keeping Your Stock Fresh is Important in the Daily Running of Your Business. The Right Flower Shop Insurance Policy Will Help to Keep Your Doors Open and Your Stock Protected.

We’re passionate about helping florists like Flourish in Manchester (pictured above) protect their shops. For most quotations we are able to compare the offerings from a panel of UK based insurers, who provide florist insurance through their retail insurance policies. We have a team of experienced sales representatives who are available to offer advice and guidance on the type of cover a florist typically needs, along with finding a competitive premium that meets your requirements.    

If you find your business needs are considered to be outside of the usual areas covered by the insurers’ products, then we can still usually offer help. This includes:

  • Premises with flat roofs.
  • Risks with high sums insured.
  • Start-up businesses.
  • Proposals that have had large claims (including fire or flood).

Please note we are unable to offer quotations to businesses located in Northern Ireland.

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91% of our customers would recommend our service

Standard Covers**

  • Accidental damage

  • Book debts/account receivable

  • Business interruption

  • Contents insurance

  • Employers' liability

  • Glass cover

  • Money in safe

  • Money on premises

  • Public and products liability

Optional Covers**

  • Buildings cover

  • Embedded breakdown

  • Goods in transit

  • Legal expenses

  • Loss of rent receivable

  • Subsidence

  • Tenants improvements

  • Terrorism

Premiums from as little as

£270 .12
In the past 12 months our customers have paid as little as £270.12 per annum for florist insurance.

50% of our florist customers paid less than £409.54 per annum.***

Why Florists Insurance is Important

When it comes to running your own business, it may seem that there aren’t enough hours in the day to do everything you need to do. However, one thing that you should never overlook is flower shop insurance. The florists' insurance we provide aims to protect the florist’s business and essentially their livelihood.    

You may feel that you have planned for all the possible issues that could arise, however there is always a chance that something will crop up and take you by surprise. By having the right level of cover you can protect yourself, your staff, and your business should the unforeseen happen. Typically insurance for florists will include cover for buildings and contents, public liability, loss of money, goods in transit, business interruption, and employers' liability.

Speak with an insurance expert about your business and they can help you to understand what cover you may need for your business, so that should the unfortunate happen and you need to make a claim, your business will be protected.

About the Florist Industry

Flowers can make the celebration of those special and memorable occasions in your life. Perhaps this is why the floristry industry continues to thrive. While there are specialist florist providers and retailers selling flowers too, there are still many independent florists on the “high street”.

They come in a variety of types from sole trader florists working alone, to those that own their own premises, and employ staff. Weddings, birthdays, get-well-soon wishes or even just to say that you are thinking of someone, a beautiful bouquet of freshly cut flowers delivered to you is a wonderful surprise.

* Please click here to view our pricing disclaimer.

** Standard and optional cover may differ dependent upon insurer.

*** Data compared from 47 policies sold in 2022. 8 customers paid as little as £270.12 

91% of our customers would recommend our service

Excellent service, friendly staff. The service is excellent I been with smei for eight years and had no problems - very friendly staff and very helpful. I would recommend to everyone.

Chiman Patel

Quotes from well-known and specialist insurers, including:

Insurers smei work with

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