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  • Insurance for florists

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  • AXA shop insurance for florists

    • Tailor our business insurance to suit your florist business – our customer service rating is 96%*
    • Design your cover with contents insurance, public liability cover, professional indemnity cover – and more
    • Contents insurance includes stock, with increased cover at busy times – like Valentine’s Day
    • Choose to protect your goods in transit – useful for weddings and events
    • Accidental damage cover – for any surprises on your business journey

    Already know what you need?

    Get a business insurance quote

    Need help picking cover?

    Visit our Business Insurance Wizard


    Protect your floristry business. Get blooming lovely insurance from AXA

    From wedding bouquets to prom night corsages, birthdays to boutonnieres, flowers are the loveliest way to say we care. You’re busy pruning your business proposition and cultivating your customers by delivering that forget-me-not experience. And that’s something worth protecting.

    Florist insurance FAQs

    Why do I need insurance for my floristry business?

    If the worst happens, and you find out that you’re not properly insured, it could be a blow to your floristry business, especially when the protection you need is less expensive than you might think, and is easy to arrange online or over the phone.

    With us you can pick and choose from different options to build an insurance policy that protects you and your business. Our business equipment cover can protect all the equipment and tools you need, especially for wedding work – like secateurs and wheelbarrows. Or choose stock cover to protect your supplies – vases of all kinds of shapes and sizes, lashings of organza, and those precious blooms of course.

    Why should I choose AXA for my floristry business?

    At AXA, we understand small businesses like yours. Whether you’re a florist that just needs public liability insurance, or have high street premises that need a whole lot more, we have tailorable insurance options that’ll meet your needs.

    AXA Business Insurance

    What can I include with business insurance?

    Public liability insurance

    You’re responsible for the welfare of every customer or visitor. Public liability keeps you covered if a member of the public is accidentally injured or their property gets damaged while dealing with your business. We’ll cover you up to £5 million. You’ll also get product liability cover – for if your products accidentally cause damage to a customer.

    Professional indemnity insurance

    If people rely on your professional expertise, they can claim against you if they think you’ve made a mistake or given them bad advice. It covers the legal costs required to defend you, and if it turns out you’re in the wrong, it covers your compensation payments too.

    Feefo service rating. See what our customers say about us - new window

    "Top service from a company that has consistently been so. Well trained people based in UK. It doesn't get any better."

    Get a quote now

    Employers’ liability insurance

    If you have employees, contractors, casual workers or temporary staff, it’s a legal requirement for you to take out employers’ liability insurance. It covers any claims from employees who become unwell or suffer an injury as a result of working for you – protecting you up to £10 million.

    Contents cover

    Contents cover up to £250,000 can help you replace the contents of your shop – like business equipment and stock – if they’re damaged, lost or stolen. Our options include:

    • Stock – including a 30% increase for your chosen busy periods

    • Tenants’ improvement – for any additions you make to your premises

    • Damage to your signage can be expensive. We can cover the cost, getting your business back on track

    • Loss of money – cover your cash whether it’s at your premises, your home, or on the way to the bank

    • Goods in transit – whether you’re transporting yourself or using a courier, we’ll cover it

    Business interruption cover

    If your floristry business has to close after an insured incident at your shop, like a fire, flood or forced entry, we’ll pay you for your loss of revenue, so you can carry on paying your overheads, including your employees’ wages.

    Building insurance

    You might be too busy planning your next centrepiece to give much thought to the structure of your premises – but building repairs can be expensive. With our cover, you can protect your building whatever comes your way.

    Legal expenses

    With our legal expenses option, we’ll cover any claim up to £100,000 and £1 million in total claims.

    Van insurance

    If you use a van for your floristry business, transporting your work materials, you’d be lost without it. Make sure you stay on the road with cover that includes: doorstep repairs, a guaranteed courtesy van** and your choice of optional extras. Find out more about AXA van insurance.

    *Our 96% customer service rating (4.8 out of 5) is based on 4746 customer reviews on independent review system, feefo, as of Friday 9 September 2016.

    **We guarantee a small courtesy van.

  • Florist business advice

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