Wedding Insurance and Floristry Related Problems

Flowers are a beautiful and often key part of any wedding day. They can range from simple - maybe a bridal bouquet and an arrangement - to a massive undertaking including bouquets for bride, attendants and guests, as well as decorating the wedding venue and reception.

Whatever your floral requirements, the overall cost of your wedding flowers may well be a significant percentage of your overall budget, which is one of the reasons why it is worth checking they are suitable covered under your wedding insurance.

What could go wrong?

Suppliers letting you down or delivering to the wrong venue, accidental damage to arrangements at the church, or delivery of funeral wreaths instead of bridal bouquets - all of these possible problems with flowers are just one thing you don't want to have at your wedding! Having wedding insurance could be the difference between having no flowers at all at your wedding, and being able to go out and find a replacement florist if your booked supplier has let you down.

What to look for in insurance policies:

It is advisable to check that you are covered for a variety of florist related problems, such as:

• Your florist or flower supplier letting you down at the last minute;
• Your florist going bankrupt or into liquidation;
• Accidental loss or damage to the flowers after they have been arranged at the venue.

Sometimes covered are:

• Cover for up to 7 days prior to the wedding (but not if they are still at the florist's premises);
• Delivery to the wrong venue (though this may be covered by florist's insurance);
• Overseas weddings.

What is generally not covered:

• Theft of flowers, unless force or violence is used to get in or out of the building (in other words, if they were left unsecured);
• Contracts that are not pre-booked in writing;
• Any wilful acts of vandalism that damage the flowers;
• Cancelling your wedding due to 'cold feet';
• Cancelling or rearranging your wedding date due to any pre existing medical conditions.

Also, remember that flowers will only be covered up to the amount stated in your insurance policy, and there may be an excess - check your policy wording carefully.

What insurance should the florist have?

You are not expected to insure against all possible floral disasters that may befall your wedding day. Florists should provide their own insurance, including all or some of the following:

• Public liability - covers the florist for any damage to people or third party property;
• Business equipment cover - covers any damage to their own equipment sustained while setting up your floral displays;
• Business vehicle cover;
• Good in transit coverage - covers the florist's costs if flowers and equipment is damaged whilst out of the shop;
• Spoilage coverage - if stock is spoiled prior to the event then this will cover the cost of replacement flowers;
• Damage or theft of stock whilst on the florist's premises, as long as it was kept securely.

In order to ensure that your flowers are a thing of beauty and wonder at your wedding, and not one of stress and financial loss, take a few moments to check that you are adequately covered by your wedding insurance policy.

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