A wedding cannot be rearranged.
Cover for florists: stock with a shelf life of days, a chiller it depends on, and orders for dates that cannot move.
Florist insurance
Usually includes
Stock
Stock deterioration
Premises & workroom
Goods in transit
Public liability
Event installations
One
conversation.
You explain the business once, and we take it from there.
Bespoke service
for your business
No two businesses are the same, so we start with yours rather than with a template.
Everything
quoted together.
The premises, your stock, your liability and the trade you would lose, priced in one go rather than piece by piece.
Know your cover
What is florist insurance?
A florist trades on two things a normal shop does not have to think about: stock that is worthless within a week, and orders tied to a specific day. A chiller failure destroys the first. A van breaking down on a Saturday morning destroys the second, and a wedding cannot be moved to suit. Cover is built around the premises and perishable stock, with delivery, event work and business interruption alongside.
It covers the stock
Cut flowers, plants and sundries, and the chiller and workroom they depend on.
It covers the deterioration
Stock lost when the chiller or the power fails, which stock cover alone does not answer.
It does not cover a missed date
Failing to deliver on time is a contract question rather than an insured loss, unless the cause was itself insured.
Who it’s for
Whatever you arrange.
✓
High-street florists
Shop trade, local delivery and a workroom behind the counter.
✓
Wedding and event florists
Large single orders on immovable dates, often installed on site.
✓
Funeral specialists
Short notice, exact requirements and no scope for a second attempt.
✓
Studio and online florists
No shop front, but stock, a workroom and a courier relationship.
✓
Contract and corporate florists
Regular installations in offices, hotels and venues.
✓
Florists with a delivery fleet
Own vehicles, which brings motor and transit questions with them.
What we cover
Cover built around your orders.
We ask what you sell, what events you take on and how you deliver before we approach anyone. Then show you what’s available, and you decide what fits.
Stock
Cut flowers, plants, containers and sundries, valued at what you hold in a peak week.
Stock deterioration
Flowers lost when the chiller or the power fails, which is the claim this trade makes.
Premises & workroom
The shop, the glazing, the chiller, the workroom and the fit-out.
Goods in transit
Arrangements on the way to a customer, a venue or a funeral, in your van or a courier’s.
Public liability
Injury or damage in the shop, and at a venue while you are installing.
Event installations
Arches, structures and displays you build at a venue, and the damage they can cause.
Business interruption
The trade lost while the shop or the workroom cannot operate, including through a peak.
Employers’ liability
Required by law from your first employee, including casual help at peak weeks.
Cyber & data
Orders, delivery addresses and the card payments taken online and in the shop.
Who this cover tends to suit.
This cover is generally bought by florists, from a single high-street shop to a studio doing weddings and corporate contracts. Not every part will apply to every business, so tell us how you’re set up and we’ll show you what’s relevant.
Worth knowing
Check the details before you choose.
Deterioration is the claim
Stock cover answers damage and theft. Flowers ruined by a chiller that stopped is a separate section, and for a florist it is the important one.
Peaks are extreme in this trade
The stock held in the days before a peak can be several times a normal week. Insure the peak, not the average, or a claim can be reduced in proportion.
Event installation is a different liability
Building a structure at a venue is not shop trading. If it falls or marks a floor, that is your liability on somebody else’s premises.
A missed date is usually a contract matter
Insurance answers insured causes. If the reason you missed a wedding was itself covered, the loss may follow; if it was a supplier letting you down, that is a contract question.
Every order is different.
A hand-tied bouquet and a church installation don’t carry the same risk, so we ask different questions for each.
Florists
Wedding flowers
Event florists
Funeral tributes
Corporate contracts
Venue installations
Flower arches
Studio florists
Online orders
Local delivery
Own delivery van
Courier despatch
Plants and gifts
Workshops and classes
Seasonal peaks
Chilled storage
Florists
Wedding flowers
Event florists
Funeral tributes
Corporate contracts
Venue installations
Flower arches
Studio florists
Online orders
Local delivery
Own delivery van
Courier despatch
Plants and gifts
Workshops and classes
Seasonal peaks
Chilled storage
Why Vara
Bespoke service for you & your business,
without the big-firm minimum.
01
Deterioration comes first
Flowers are worthless within days, so a chiller that stops is the loss rather than a fire. We raise it before anything else.
02
Peak stock is what gets insured
We ask what you hold in your busiest week, not across the year, because that is the figure a claim is measured against.
03
Event work gets declared
Installing at a venue is a different liability from selling over a counter. We describe both rather than call you a shop.
04
We present the risk right
Stock peaks, event work, delivery, staff and claims history. How it’s framed changes what you pay.
You talk to a person. The machines do the typing.
Free review of your florist cover and costs.
On a policy that ignores the chiller? Leave your details and we’ll call you straight back. One conversation covers the lot.
What the review covers
Standard stock cover answers damage and theft, but flowers ruined by a chiller that stopped sits in a separate deterioration section, and for a florist that’s the important one.
The stock held in the days before a wedding or a peak can run several times a normal week, so insuring the peak rather than the average is worth checking.
We approach insurers on our panel who write florist risks, and come back with what they’ll offer.
We explain each option in plain English, including what it doesn’t cover.
If it’s not a risk we can place, we’ll tell you straight away rather than leave you waiting.
No obligation to switch. You decide what fits.
Rather not wait? Call us on 0333 091 3663
Good to know
Florist insurance questions, answered straight.
What insurance does a florist need?
Is my stock covered if the chiller fails?
How should I set the stock figure?
Am I covered while installing at a venue?
What if I cannot deliver a wedding order?
Is stock covered in my van?
Do I need cover for workshops and classes?
Does trading online change anything?
Vara Commercial Insurance · 0333 091 3663
Vara is a trading name of Koral AI Operating Company Limited. Vara is an appointed representative of Innovative Risk Labs Ltd, under Firm Reference Number 1060955. Innovative Risk Labs Ltd is authorised and regulated by the Financial Conduct Authority, under FRN 609155. We are registered in England and Wales under Registered Company Number 17256222. Registered office: 167-169 Great Portland Street, 5th Floor, London, W1W 5PF.