Florists Insurance
Public & Products Liability Insurance
Pricing starting from
from $132.40
Instantly generate your Quote and Purchase online within minutes.
As a Florist, your passion lays within creating beautiful bouquets and customising your products to 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 for you by tailoring a Florist Insurance policy specifically for what you do.
Why AUZi's Florists Insurance Insurance?
The Benefits
- Instant Quotes & Certificate of Currency
- Purchase Online, 24/7
- Specialised policy, tailored to your industry
Your Choices
- Multiple Policy Options
- $5mil, $10mil or $20mil Limit of Liability
- Pay by Card, Bank Transfer or Monthly Instalments
Our Insurance policy is a combined Public Liability and Products Liability Insurance. It also includes Australia Wide cover so you’re not restricted to your shop space. Additionally, we can cover the mobile and freelance aspect 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 Products Liability Insurance to ensure you’re covered in all aspects of your business.
What Does our Florist Insurance Cover?
Public Liability Insurance
Public Liability Insurance is designed to protect you and your business against Personal Injury or Property Damage arising from your business activities.
Products Liability Insurance
Products Liability Insurance is designed to protect you against Personal injury & Property damage 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. But there are many situations that could arise throughout your 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. When 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.
Florists Insurance Cost
Three Months
from $132.40
at $5,000,000 Liability
Your Choice:
- $5mil, $10mil or $20mil Limit of Liability
Six Months
from $182.23
at $5,000,000 Liability
Your Choice:
- $5mil, $10mil or $20mil Limit of Liability
Annual Cover
Lowest Daily Rate
from $342.32
at $5,000,000 Liability
Your Choice:
- $5mil, $10mil or $20mil Limit of Liability
Got a Question?
Have a read of some of our Frequently Asked Questions for Florists below;
Yes, floral installations are automatically included.
The Policy excess is $500
Yes, the policy covers you Australia Wide.
Not quite what you're looking for?
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Your Dedicated Contacts
Chat live with our Specialist 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
Implications of Cancelling your Product Liability
Products Liability is an occurrence-based wording. This means, the insurance needs to be in place at the time the incident occurred for there to be a valid claim.
If you cancel your insurance today and an incident is notified and/or occurs tomorrow for a product or service you provided last week, you will not be covered. Read more on this here.