Business insurance
Insurance For Florists
Compare business insurance built around the real risks florists face — and line up the right cover before your renewal.
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How it works
Matched to the right broker in minutes
Tell us what you need
A few details about your business and the cover you need. Takes under a minute.
We match you
We line you up with the right vetted broker for florists and your risks — no guesswork.
Get covered
Your broker takes it from there — quotes and cover, sorted.
What you get
Built around your business
- Public liability and contents cover for your premises, fit-out, and stock.
- Protection for customers on-site, spoilage, and the everyday risks of trading.
- A renewal review before rollover, so you're not auto-renewed on a stale premium.
How it works
Simple next steps
- 1Tell us your premises, fit-out, stock, and renewal month.
- 2We match you to a broker who insures retail and hospitality.
- 3You review the cover and only switch if it fits better.
Important note
Good to know
No lock-in and no obligation. We only connect you with a partner if it genuinely helps — you decide whether to proceed.
Business insurance
Insurance for Florists
A florist faces both retail and perishable-stock risks. Public liability protects you if a customer is hurt in the shop or by a delivery, while contents and stock cover guard your displays, tools and flowers. Crucially, you will want cover that responds when a cool room or fridge fails and spoils stock, and vehicle cover for your delivery van. If you employ florists or drivers, workers' compensation is required.
Because your stock is perishable, refrigeration breakdown and spoilage cover can be the difference between a hiccup and a ruined peak. Premiums for a shop this size often sit around the ~$900 mark, and with many policies renewing around 30 June, review your spoilage and vehicle cover before the new financial year so a fridge failure on a big day is covered.
Common questions
Florists — insurance questions
Am I covered if my cool room fails and spoils stock?
Only if your policy includes refrigeration breakdown and stock spoilage cover, which is well worth having for a florist. Check it responds during peak periods when a single failure can ruin a large, expensive batch of flowers.
Does my insurance cover deliveries and my van?
You will want commercial vehicle cover for the van and public liability extending to deliveries, since a lot can go wrong getting orders to the door. Reviewing both before your 30 June renewal keeps your busiest delivery days protected.
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Tell us what you need and we'll match you to the right partner — free, no lock-in, under a minute.