Insurance for Florists

No. Insurance does not cover poor-quality or dead stock received from a supplier.

Generally speaking, yes, florists can cover seasonal increases in the stock they keep on hand. Some insurers will increase the amount insured by a specified percentage during defined peak periods, so long as the stock has been declared to the insurer. The seasonal increase only applies to the stock limit shown in your policy schedule, and is subject to the terms, conditions, and exclusions in the policy wording.

As a general rule of thumb the answer is yes. Some types of florist insurance can cover you when working in locations outside of your retail shop.
For example, Public Liability insurance covers third-party injury and property damage claims wherever you are working, such as delivering bouquets or arrangements to a wedding venue.

Generally speaking, yes. Some types of insurance can cover common risks associated with floral installations.
Public Liability insurance covers you if a third-party claims that your negligent business activities caused them injury or property damage. It can cover incidents such as damaging an event space wall while attaching hanging arrangements or a guest tripping over your equipment.
Portable Equipment and Theft insurance can help protect the tools you rely on to prep flowers and install displays. Both are options available in a Business Insurance Package. Goods in Transit (another option within a Business Insurance Package) helps protect flowers and plants being transported from your shop to event spaces.

BizCover makes it easy for florists and flower shop owners to show that they are insured. A certificate of currency is automatically emailed to you when you purchase a policy. You can also download copies any time you need by logging in to our customer portal.