Wholesale florists and flower importers operate at the heart of the floral supply chain, handling large volumes of high-value, perishable stock often sourced internationally. Any disruption - whether during transit, storage or distribution - can result in significant financial loss within hours.
Standard retail insurance rarely reflects the risks faced by wholesalers. Specialist cover is essential to protect against spoilage, refrigeration failure, delayed imports, property damage and liability claims arising from large-scale operations.
The wholesale floral sector faces complex operational risks involving storage, logistics, staffing and contractual obligations.
Does this insurance cover imported flowers?
Is refrigeration breakdown covered?
Do wholesalers need Employers’ Liability Insurance?
Can business interruption be included?
What insurance structure do most wholesalers choose?
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