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.
Our Florist Insurance policy is a combined Public Liability and Products Liability Insurance. AUZi’s Florist Insurance 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 florist Insurance?
Operating your Florist business doesn’t stop at simply putting together a bouquet. You of all people know that well. There’s setting up your retail space, marketing, sourcing products, delivering, trading at markets, designing custom orders for weddings and 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 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 could go wrong?
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.
- 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 all 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.
Your Dedicated Contacts
If you would like to discuss your cover and options please give our Brokers Bec or Nicole a call on 1300 939 698.
Automatic Extensions covered under Florist Insurance
This policy provides the following features
Need Flower Shop Insurance?
If you’re planning on opening a physical florist shop, you’ll need more than just Public & Products Liability insurance.
From plate glass, to fire, flood, and even business interruption cover – there’s a lot to look at when it comes to insurance. In the past AUZi Insurance would have sent you elsewhere, but not anymore.
If this sounds like you, contact us either via Phone, Email, or Live Chat. We may have something for you.
Implications of Cancelling your Product Liability OR Professional Indemnity Insurance Policy
Product Liability is an occurrence-based wording. In other words, the insurance needs to be in place at the time the incident/injury/damage occurred for there to be a valid claim.
However, Professional Indemnity Insurance is a Claims Made wording. This means an insurance policy needs to be in place at the time you provide the service. Also, at the time of the claim and/or incident in order for your interest to be protected.
Therefore, 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.
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