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Florist insurance is a special form of policy taken by florists, which focuses on the unique challenges faced in the floristry trade.
The day-to-day running of a flower shop can be incredibly stressful, particularly when it comes to balancing first-class customer service with the business end of running a retail premises such as ordering stock, reducing the price of perishable goods and balancing the books – before factoring in the need for florist insurance.
Of course, offering a safe environment for customers is part of the role too. Should the worst happen, and an injured customer decides to make a claim, the good news is that florist insurance will cover any financial hit you may take in the form of compensation.
Anybody who runs a flower shop or otherwise makes a living out of supplying flowers should be covered by florist insurance. In addition to covering any injuries or mishaps in the workplace, you might also want to ensure that your stock is correctly insured – this is particularly important when dealing with perishable assets such as flowers, which must be sold within days.
If you run a flower shop and you employ staff, you are required by UK law to have employers' liability insurance in place. This type of insurance is designed to protect your business in the event of an employee injuring themselves or becoming ill due to events in the workplace. You can arrange for employers' liability insurance to form part of your wider florist insurance policy. It is usually the first port of call for all business owners, and without it, you could be fined up to £2,500 each day.
In addition to covering any injuries sustained by employees or customers, a good florist insurance policy should also cover some specifics which are unique to the world of floristry. As a florist, you’re likely to have to offer tips and advice to your customers. If any of this advice is inadequate, or if the customer believes you made a mistake with their order, they could be able to make a claim against you. With professional indemnity insurance as part of your florist insurance policy, you can cover any legal costs that you accrue while defending yourself. It will also cover compensation if a court rules in favour of your customer.
If you offer a delivery service (for example, transporting expensive floral displays to a church or wedding venue), you might want to consider goods in transit cover as part of your florist insurance. This will cover the cost of wasted stock and returned money to customers in the event of goods becoming damaged during the delivery process. This way, you won’t lose out should the worst happen. If you offer a delivery service, you will be able to include commercial vehicle insurance as part of your florist insurance package.
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