Get a quote
florist arranger flowers in a shop

Florists Insurance

Public liability insurance for a florist for less than £54* per year

Not on comparison sites — save money by coming direct to us

Get a quote
Home » Florist’s Insurance

Tradesman Saver’s Public Liability Cover For Florists

Our standard cover is:

  • £1 million cover for public and products liability (with an option to increase to £2 million or £5 million)
  • £10,000 cover for any financial loss (£50K cover optional)
  • Worldwide liability cover for temporary work abroad for up to 14 days (excluding the USA and Canada)

There are many insurance options which would benefit your florists business, and public liability is one of the most significant. This protects you if your work ends up damaging a client’s property or injuring a client or member of the public. For example, you may need to pay compensation if a client trips over a display stand and is injured or you accidentally damage a customer’s wooden flooring by spilling water onto it.

Claims such as this can cost a small fortune but having public liability cover means you won’t be responsible for paying any of the resulting expenses. You can purchase this as part of our automatic package, which also covers you for financial loss, legal expenses, and more.

Another relevant insurance policy for a florists business includes employer’s liability, which is a legal requirement for anybody who employs staff.  Here at Tradesman Saver we have all the coverage you may need as a florist and you can get your quote online in minutes.

Get a QuoteLearn about Public Liability

How our florists insurance works

1 Apply Online

Complete our simple quote form with basic details about your business

2 Get a quote

Get an instant quote & choose any optional covers you may need

3 You’re insured!

Instantly activate your Tradesman Saver policy and view your certificates online

What is florists insurance?

As a florist, you know life, like your business, is so much sweeter in full bloom. And when your business is thriving like your flowers, you want to ensure its protected from any little accidents along the way – which means you need an insurance policy tailored to your unique risks.  Florists insurance will provide the protection you need for your floristry business to blossom.

Why do you need florists insurance?

Here at Tradesman Saver, we pride ourselves on building specific policies, designed around the needs of our customers. We’ve worked with businesses like yours to create our florist insurance policy, packed full of all the covers you’ll need to help your business blossom.

Get a Quote

Chosen by over 5000 businesses and counting *

  • Online & Anywhere

    Online & Anywhere

    We like to keep things simple. Your quote, purchase and documents are all available online, anytime.

  • Monthly Instalments

    Monthly Instalments

    Cashflow is important to every business. Spread the cost by paying in easy monthly instalments.

  • Instant Cover

    Instant Cover

    No need to wait for your documents. Our tradesman cover starts from the date you select.

  • Added protection

    Added Protection

    Public liability, products liability, financial loss, legal expenses and accidental death cover as standard.

* Total number of live policies as of 31/01/2024

Florist’s Public Liability Insurance

When you’re a florist, you know that trying to find the right insurance policy to suit your needs can sometimes be a minefield – especially when you start to get into the bare bones of it and try to understand the huge barrage of insurance terms associated with it. It’s sad to say, but it can almost end up leaving you feeling more confused than when you began. But, if you’re lost in confusion, don’t fret – there really is only one insurance cover you need to know about, and that’s public liability insurance. What you need to know about public liability insurance is that it acts as the foundation of your insurance policy, protecting you from claims arising out of injury to third parties and damage to their property. It can be applied to both clients and members of the public, and is absolutely vital in ensuring you’re protected from any accidents or mishaps. It’s definitely a cover you want at your back when things go wrong.

bouquets of coloured flowers in florists shop

It Shouldn’t Happen To A Florist

Here is an example of a claim:

You’re decorating a venue for a wedding. As you’re placing one of the heavy vases down, you accidentally knock the table where the wedding cake is, and the cake falls onto the floor. The angry bride and groom make a claim for compensation. Your public liability insurance can be your best friend here – your insurer will pay out the costs of the compensation, so you can continue doing what you do best.

Similar Trades We Cover

*This indicative price is for £1m public and products liability, £250,000 legal expenses, £10,000 financial loss and £10,000 accidental death insurance cover for a sole trader. The price includes insurance premium tax but excludes our admin charge. 13% of new customers paid less than £54 between 1st January 2024 and 30th January 2024. The actual price you pay will depend upon your specific business requirements and will be affected by your trade, your claims history and the optional covers you select which are all priced separately during the quote process. This website is intended for customers based in the UK and is therefore subject to the UK regulatory regime(s) © Copyright 2024 Tradesman Saver | Tradesman Saver and Henry Seymour & Co. are trading names of Barkdene Limited which is authorised and regulated by the Financial Conduct Authority (FRN 303965) for our insurance distribution and credit broking activities. Barkdene Limited is a credit broker not a lender. You can check our financial services registration status on the Financial Services register.
Registered in England No 1842617. Registered Office – Chancery House, St Nicholas Way, Sutton, Surrey, SM1 1JB. All rights reserved.
Back To Top
You need to be logged in to Your Account to make a payment. Redirecting you to Account Login.