What insurance does a florist need?
There's no one-size answer. The right mix depends on how you work, who you work for, and what your contracts ask for. These are the coverages a florist typically looks at first:
General liability
Covers third-party injuries and venue property damage during deliveries and events, with the $1,000,000 per-occurrence limit venues and clients typically request.
Business property
Coolers, arranging tools, and flower inventory travel with your business, and this helps protect them against theft and damage.
Commercial auto
A van loaded with arrangements and delivery orders is a work vehicle, and personal auto policies often exclude that business use.
Coverage always depends on your specific situation. The fastest way to see what fits is to get a quote and review your options.
What does it protect against?
The risks that matter aren't abstract. They're the everyday accidents of the work. A few scenarios that turn into real claims:
A delivery spill causes a slip
A vase of water tips in a client's lobby during delivery, or a wet flower box leaves a trail across a venue floor. A visitor who slips afterward turns into a third-party injury claim against your business.
Setup at a venue damages the space
A ladder used to hang an installation scuffs a ballroom ceiling, or a rolling cart of arrangements dings a client's front door during move-in. Property damage during setup or delivery is a routine general liability claim for event vendors.
An allergic reaction is blamed on your arrangements
A guest at a wedding reacts to pollen from an arrangement placed near the dining tables, and the couple says you should have warned them. Claims tied to what you brought onto a client's property are the kind of thing general liability is designed to help cover.
Your cooler or delivery van is broken into
Your delivery van is broken into overnight and arrangements, tools, and a week's worth of orders go missing before a big event. Your liability coverage doesn't replace your own inventory and equipment; that's a business property question.
Certificates of insurance
Venues and corporate clients are the usual source of certificate requests for a florist: hotels, event spaces, and offices commonly require proof of general liability before letting a florist deliver and install arrangements on-site, often naming the venue as certificate holder. Olli's general liability policies include instant certificates, so a wedding delivery doesn't stall on paperwork.
New to certificates? Start with our guide to the certificate of insurance: what's on one, who asks for it, and how to provide yours.