If you have a passion for creating flower crafts, then creating a designated business may be a viable business option for you.
If you currently run a flower craft business, no matter what size it is, it’s important that you have the right level of insurance as soon as possible.
What is a flower business?
A flower business is a business that specialises in selling cut flowers for a variety of different purposes. The trade involves activities such as flower care, flower arranging, floral design, merchandising and even flower delivery.
Flower businesses are becoming increasingly popular amongst both customers and budding entrepreneurs.
At CraftCover, we have experience in working with flower crafters, from flower arranging and dried flower crafts to bouquets, button holes and ikebana. Our policy lets you concentrate on your beautiful creations, knowing that the important stuff’s all sorted!
What insurance do you need for a flower craft business?
At the core of your flower business, regardless of whether you have a high-street location, you work from home, or you trade on market stalls, you should have an adequate insurance policy in place to protect you should someone make a claim against your business.
Having a claim made against your business can be extremely damaging, especially if you’re just starting up or your business is small.
The two main types of cover you will need include Public Liability Insurance and Product Liability Insurance.
Public Liability Insurance for Flower Businesses
Public Liability Insurance will cover you if a member of the public is injured, made ill or has their property damaged as a result of your business actions.
This type of insurance will cover you should a claim be brought against you by a member of the public.
Product Liability Insurance for Flower Businesses
Product Liability Insurance will protect you against the costs of compensation for personal injuries and loss or damage to a property caused by faulty products. It will also cover unforeseeable circumstances that could not be identified in your quality systems.
It is worth noting that product liability insurance may not cover faulty products as a result of bad workmanship, or financial losses to a business or person as a result of your faulty product.
Floral crafting trends
There are numerous crafting trends and creations which you could use as inspiration for your own products, whether you choose to sell fresh or faux flowers.
Many popular trends include:
- Mini bouquets
- Pressed botanical prints
- Wreaths
- Floral infused beauty products
- Floral garlands
- Floral resin decorations
Do I need insurance to sell homemade floral crafts?
Whilst it isn’t a legal requirement to have insurance selling homemade floral crafts, you will not be covered if anything was to happen to your business.
Having insurance to sell means you will be protected should any issues with your products or customers arise.
You can read our blog on how to ensure that you are selling homemade crafts legally for more information.
How much is floral craft business insurance?
The cost of floral craft insurance will vary based on a range of factors including:
- The products you make and sell;
- The location and size of your business;
- The level of cover you require and your excess costs.
At CraftCover, we provide a professional and friendly service and we will make sure you are covered at an affordable rate. Contact us today to discuss your requirements with our team, or get your free floral craft insurance quote now.
