For many florists, delivery is where the greatest financial risk lies. Fresh flowers, wedding arrangements and event installations are fragile, time-critical and often high value. Damage or loss during transit can result in refunds, lost contracts and reputational harm.
Delivery and goods-in-transit insurance is designed to protect florist stock, equipment and materials while they are being transported, loaded or unloaded.
Covers fresh flowers, plants, foliage and arrangements against accidental loss or damage while being transported.
Protection for high-value wedding and event flowers while in transit to venues, including loading and unloading.
Covers florist tools, stands, arches, vases, frames and styling equipment transported between locations.
Covers theft of insured goods from vehicles, subject to security conditions such as locked vehicles and alarm requirements.
Some policies can be extended to cover goods transported by third-party couriers, depending on policy terms.
Commercial vehicle insurance covers damage to the vehicle itself. Goods-in-transit insurance protects the contents of the vehicle - your flowers, stock and equipment.
Florists should insure goods-in-transit at their maximum potential value, especially during wedding season and peak trading periods.
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