If you aren’t sure if you need insurance or not, then you are not alone. So many…
FCA Authorised & Regulated
Specialist Cover Quoted within 24 hours
Dedicated UK Insurance Specialists
50,000 + Active Policyholders
Fast Specific Cover
We are industry specialists. We compare products and polices from many different insurers to save you time and money
Easy Claims Process
Accidents and Incidents can happen. When it does, rest easy knowing our team is on hand to make this process as quick and easy as possible
No mid term fees, ever
As you business grows and evolves you can be sure that we wont make any additional charges to your insurance policy so you need to scale up or down.
Refer a friend to us and you can receive up to £50. Your friend will receive the great benefits that you do too.
Specialist that understand
We know how your business works and where the potential pitfals are. Help is always on hand, whenever you need it.
Tailor made policies
We realise that one size doesn’t fit all. Our policies are expertly crafted to meet your specific requirements.
Clarity of cover and putting you first. Its built into our ethos and everything we do at Livingstones. Put us to the test, you'll be glad you did.
Positive green credentials
We support local charities and are making huge strides to reduce our environmental impact as much as possible.
To help you budget, we offer monthly installments on all of our products. A small helping hand to help with your finances.
Why do you need Florist Insurance?
No matter if you have a local florist at the heart of the community or you have a nationwide chain, insurance ensures stability and protects you from any unforeseen incidents.
All businesses are legally required to have employers’ liability cover at a minimum
You can add extra stock coverage for busy periods, such as Mother’s Day and Valentine’s Day
If something goes wrong, your business will not suffer excessive downtime
Protect against a fire, natural disaster, theft, or anything else that could hurt your cash flow
Coverage if your products or materials are damaged, stolen, or lost
Protect your flowers while they are in transit
Show your customers that you’re trusted and professional
Protect any damage to your own items, whether in transit or in-store
If someone is hurt at your flower store, you will be protected
Protect any property outside, such as signage and offer boards
Continue operation if an unforeseen event occurs
Florist Insurance FAQs
As a florist, you simply must have employers’ liability insurance. It is a legal reequirement. It covers you and your flower store for compensation expenses if someone who works for you ends up being injured.
Yes, as you’re likely to keep more stock during Valentine’s Day, Mother’s Day and other busy periods, your insurance can accommodate this.
It really depends on your level of coverage. The higher the coverage, the higher the cost. Simply call us today for a free, no-obligation quote
Yes, as all policies are underwritten by our legal team, we make sure they are designed to suit you. From legal expenses cover to covering any outdoor signage and advertisements, there are many add-ons.
Yes, we can cover the damage of items on-premise and in-transit. Whether you’re delivering flowers to a customer or you’re covering an entire event, such coverage is essential to ensure you are protected should anything happen en-route
Yes, if you have more than one flower store, we will make sure your policy is underwritten to account for this.
Yes, of course. Big or small, all incidents that are covered in your policy can be claimed for.
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