• Insurance for Florist Shops

    Running a florist shop is about more than arranging beautiful bouquets – it’s about managing valuable stock, taking care of your premises, and ensuring your business is protected from everyday risks like theft, damage, or accidents. From keeping your fresh inventory safe to handling customer interactions and deliveries, your floral business faces unique challenges that require a personalised approach to insurance protection. The right business insurance can safeguard your shop against the unexpected, so you can focus on creating beautiful arrangements for your clients.

    Why do Florist Shop owners choose Acer Insurance?

    At Acer Insurance we don’t offer generic policies; instead, we work with you to develop a tailored plan that addresses your florist business’ unique risks, whether it’s protecting your delicate stock of flowers and plants or covering potential liability issues related to deliveries and customer accidents.

    Our team of experienced insurance professionals will work with you through the process from start to finish, making sure your business is fully protected without paying for unnecessary extras, and should you need to make a claim we’ll be there to support you through the process to ensure it is fast and efficient to minimise any disruptions. So, you can focus on running your business and delighting your customers with fresh, beautiful floral designs, knowing your shop is protected from potential risks.

    What insurance would I need?

    We will work closely with you to create a plan that fits the unique aspects of your business to protect you against a wide range of potential issues. There are a few protection options we will need to consider:

    • Property insurance: Protects your florist shop or premises, including coolers, display cases, and decor, from damage caused by fire, theft, vandalism, or natural disasters. Whether you own or lease your premises, this ensures your physical assets are covered.
    • Stock cover (including flowers and plants): Covers your perishable inventory—flowers, plants, and floral accessories—against loss, theft, or damage. This cover helps protect your investment in case of spoilage or other inventory issues.
    • Deterioration of refrigerated stock: Specifically designed to cover the loss of flowers or plants stored in refrigeration units due to equipment failure or power outages, ensuring your fresh stock remains covered in case of unexpected spoilage.
    • Theft and burglary insurance: Provides protection against theft, covering stolen flowers, plants, or tools, giving you peace of mind that your stock is protected even in the event of a break-in.
    • Business interruption insurance: Compensates for lost income and helps cover ongoing expenses if your flower shop is forced to close temporarily due to a covered event, such as a fire or flooding, helping you maintain financial stability during periods when the business is closed or unable to trade.
    • Public liability insurance: Covers claims related to injuries or property damage that occur in your shop – such as a customer tripping over a display or being injured while handling plants – protecting your business from costly legal claims.
    • Product liability insurance: Protects your business from claims related to allergic reactions or other issues with the flowers, plants, or products you sell, safeguarding your reputation and finances.
    • Employers’ liability insurance: Provides cover for medical expenses and lost wages for employees who are injured while working in your flower shop, ensuring you comply with legal requirements and support your team’s well-being.
    • Commercial legal expenses: Protects your business from employee claims, such as wrongful termination, discrimination, or workplace harassment, helping you avoid costly legal disputes.

    Other protection options you may wish to consider:

    • Commercial car and van insurance: Provides cover for any vehicles used for delivering flowers and plants, ensuring your deliveries are protected in case of accidents or liability claims while on the road.
    • Equipment breakdown insurance: Covers repair or replacement costs for essential shop equipment, such as refrigeration units and floral design tools, ensuring that equipment failure doesn’t disrupt your operations.
    • Cyber liability insurance: Protects your business from data breaches or cyber-attacks, especially important if you offer online ordering or store customer information digitally.
    • Terrorism cover: Offering valuable protection from acts of terrorism.

    Contact us for a quote today

    At Acer Insurance, we’re here to help you protect every aspect of your floral business. We’ll work with you to find the perfect business insurance solution to safeguard your floral business, your inventory, and your team, so you can focus on what matters most—creating beautiful floral arrangements for your customers. Let us handle your insurance needs, so you can keep blooming!

    Call 01959 528435 for an immediate quotation or leave your details below and one of our experienced team members will call you back.