Mobile florists and market stall flower sellers face a very different risk profile to traditional high-street florists. Trading from markets, pop-up stalls, vans, fairs and events introduces additional risks such as public liability exposure, damage during transport, weather-related losses and theft.
Insure24 provides specialist mobile and market stall florist insurance designed for independent florists who trade flexibly across multiple locations, including weekly markets, farmers’ markets, festivals, weddings and seasonal events.
Whether you sell bouquets, plants, wreaths or bespoke floral arrangements, we can arrange insurance that meets council, market operator and event organiser requirements.
Public liability insurance is essential for mobile florists and market stall traders. Most councils, market operators and event organisers require proof of public liability cover before allowing you to trade.
This cover protects you if a member of the public is injured or their property is damaged as a result of your trading activities - for example, slips caused by water spills, trips over display stands, or damage caused by falling items.
Typical limits range from £2 million to £10 million depending on venue requirements.
Flowers and plants are highly perishable and vulnerable to damage from heat, cold, handling and transport. Stock insurance protects your floral inventory against theft, accidental damage and insured losses while trading or in storage.
Cover can be tailored for fresh flowers, potted plants, seasonal stock and high-value arrangements for weddings and corporate events.
Mobile florists rely on specialist equipment such as gazebos, tables, display stands, buckets, refrigeration units, tools and card payment systems.
Equipment insurance protects these items against theft, damage and loss while in use, in storage or in transit between locations.
Flowers and equipment are frequently transported between suppliers, storage units, markets and event venues. Goods in transit insurance protects stock and equipment while being loaded, transported or unloaded.
This is particularly important for florists using vans, cars or trailers to move goods daily.
Many mobile florists also provide services for weddings, corporate events and special occasions. These activities can increase liability exposure and involve higher-value stock and equipment.
Insurance can be extended to cover off-site event work, venue requirements and temporary locations.
Florist trading is often seasonal, with peaks around Valentine’s Day, Mother’s Day, Easter, Christmas and summer weddings. Seasonal insurance adjustments help ensure cover keeps pace with increased stock levels and turnover.
Weather exposure - including wind, rain and temperature extremes - can also increase the risk of damage at outdoor markets and events.
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