As a florist, your passion lays within creating beautiful bouquets and customising your products for weddings and events, right? When it comes to the business essentials like accounting, compliance, and insurance, it may put you to sleep (yawn). That is why we’ve taken the confusion out of insurance by tailoring a florist insurance policy specifically for what you do.
Why choose AUZi's florist insurance?
The benefits
- Instant quotes & certificate of currency
- Purchase online, 24/7
- Specialised policy, tailored to your industry
Policy options
- Multiple policy options
- $5mil, $10mil or $20mil limit of liability
- Pay by card, bank transfer or monthly instalments
Our florist insurance is a combined public liability and product liability insurance policy. It includes Australia wide cover so you’re not restricted to your shop space. Additionally, we can cover the mobile and freelance aspects of your business too. From weddings, parties, private events and anything in between, we have you covered.
Why do I need liability insurance as a florist?
Operating your florist business doesn’t stop at simply putting together a bouquet. There’s setting up your retail space, marketing, sourcing products, delivering, trading at markets, designing custom orders for weddings – the list goes on. It’s true, we can’t help you decide on how many gerberas, carnations or sunflowers to stock, what price points to set, or how many staff you need for Valentine’s Day. But, we can help you get the proper cover to ensure you can complete all of those tasks without risking your livelihood.
Our florist insurance policy considers the unique nature of your small business. We know that being mobile means you can literally take your business anywhere. This policy combines public and product liability insurance to ensure you’re covered in all aspects of your business.
What's covered under AUZi's florist insurance?
Public liability insurance
Public liability insurance is designed to protect you and your business against personal injury or property damage to third parties arising from your business activities.
Product liability insurance
Product liability insurance is designed to protect you against personal injury or property damage to third parties arising from the products you have
sold.
What can go wrong as a florist?
As a florist, the risks involved in operating your business may not be obvious. There are several situations during your daily business activities that could result in a claim. If a customer sues you for personal injury or property damage it can leave a big thorn in the side of not only your business but your livelihood in general.
Claim examples
- You have a bucket filled with beautiful roses for sale in your shop. A customer accidentally knocks it over, slips in the water and injures themselves.
- You're sending a bouquet to a customer. One of your employees accidentally left some wire in the bunch, causing the third party that opens it to injure themselves.
- You've engaged another business owner to collaborate in creating a flower wall for a wedding ceremony. While working on it, your ladder or props could fall, damaging a third parties’ property.
In each of the above scenarios, it will be you that the third party/customer will blame. As a result, you could be sued for damages. Your florist insurance will come into play here.
Florist insurance prices
Got a question?
Here are our frequently asked questions from florists
Yes, floral installations are automatically included.
The Policy excess is $500.
Yes, the policy covers you Australia wide.
Your dedicated contacts
Chat live with our specialist insurance brokers Nicole & Tracy by hitting the live chat bar below (only available during office hours).
Alternatively, give us a call on 1300 939 698, or email us at mail@auzi.com
On the blog
