Florists Insurance

Public & Products Liability Insurance

Pricing starting from
from $132.40

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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

Your Choices

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 for Market Stall Holder Insurance Depicting a Customer Falling down shop stairs and injuring themselves. This is a Public Liability Insurance Risk

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

Product Liability Insurance depicting a store bought Candle being left burning unattended and causing a house fire. A type of Risk for Product 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

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

Florists Insurance Cost

Three Months

from $132.40

at $5,000,000 Liability

Your Choice:

Six Months

from $182.23

at $5,000,000 Liability

Your Choice:

Annual Cover

Lowest Daily Rate

from $342.32

at $5,000,000 Liability

Your Choice:

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. 

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Your Dedicated Contacts

AUZi Insurance Principle Broker Nicole Eldridge
AUZi Insurance Assistant Broker Tracy O'Brien

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

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.