Product liability insurance protects florists if a product they sell, supply or provide causes injury to a person or damage to property. For florists, this can include flowers, plants, bouquets, arrangements, vases, candles, gifts and decorative items.
Even though flowers may seem low-risk, claims can arise from allergic reactions, toxic plants, sharp components, faulty accessories or items supplied as part of a floral arrangement. Product liability insurance ensures legal defence costs and compensation claims are covered.
Insure24 arranges specialist product liability insurance for florist shops, mobile florists, market traders, wedding florists and event specialists across the UK.
Product liability claims may arise days or weeks after a sale, making long-term protection essential.
Public liability insurance covers injuries or damage caused by your activities or premises, such as a customer slipping in your shop.
Product liability insurance applies after a product has left your control - for example, when a vase breaks at a customer’s home or a supplied plant causes an allergic reaction.
Florists typically need both covers, and they are often combined into a single liability policy.
Wedding and event florists face elevated product liability exposure due to large installations, temporary structures and high-value venues.
Claims may arise if floral displays fall, cause damage to venues or contribute to injury during set-up, use or dismantling.
Many venues require florists to hold specified product and public liability limits.
Florists selling online or offering delivery services remain responsible for the safety of products supplied, even when delivered to homes or businesses.
Product liability insurance continues to apply regardless of how or where the product is sold, including click-and-collect and courier deliveries.
Product liability claims can involve solicitors, expert reports and court proceedings. Even unfounded claims can be expensive to defend.
Insurance covers legal defence costs as well as compensation payments if liability is established.
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