Perishable stock, a delivery van, and a wedding that only happens once.
Cover for flower shops and event florists — refrigeration and spoilage, delivery vehicles, and the installation work that puts you inside somebody else’s venue.
Tell us the situation.
A licensed human replies the same business day — not an auto-responder, and not five producers calling at once. We shop it across our carriers and tell you if the policy you already have is the right one.
We use this to quote and service your insurance, and we do not sell it or pass it to lead networks. Privacy policy.
What florist businesses actually need.
Stock and spoilage
Perishable stock, and refrigeration failure that destroys it.
Without it — Flowers are the inventory and they have a shelf life of days.
Commercial auto
Delivery vehicles, and staff cars used for deliveries.
Without it — Personal auto excludes business use, and delivery is the business.
General liability
Shop injuries, and damage at venues during installation.
Without it — Venues require a certificate before you may install.
Installation exposure
Arches, hanging arrangements and structures you build on site.
Without it — Anything suspended above guests is a different order of risk.
Business property
Coolers, displays, vases and the shop fit-out.
Without it — The walk-in cooler is the most expensive thing in the building.
What florist operators ask us.
Is spoilage really worth insuring?
For a florist, yes — more than for most retailers. Your entire inventory is perishable and depends on a single cooler, so a compressor failure over a weekend or a power interruption before a busy holiday can write off everything you hold at the moment you most need it. Spoilage cover normally sits with equipment breakdown and often includes losses from power outage, which is worth confirming rather than assuming.
What about wedding and event work?
It adds two exposures the shop alone does not have. First, venue requirements — most will want a certificate naming them as an additional insured before you install. Second, the installations themselves: arches, suspended arrangements and anything structural above guests carry a genuine injury risk and are worth mentioning at quote rather than describing yourself simply as a retail florist.
Do drivers need to be on a commercial policy?
Yes, and if staff use their own cars you also need hired and non-owned auto. A personal policy excludes business use, so a delivery driver in their own vehicle can be uninsured at the moment of an accident and the claim comes to you. Given the number of short trips a florist makes on holiday weekends, this is a frequency exposure worth getting right.
Not ready to talk? The guides answer the questions this page raises in more depth. Already insured with us and need a certificate or a policy change? Ask the service team rather than starting a quote — it is faster and it goes to the people whose job it is. We also write home and auto, which is usually cheaper alongside the business policy than apart from it.