Do florists need insurance for wedding venues?

Many venues require florists and décor studios to provide a certificate of insurance before install day, especially when crews use ladders, hang installations, or bring open-flame candles.

Does florist insurance cover damaged flowers or client redesigns?

Liability coverage is mainly about third-party injury and property damage. Product quality and design disputes are often handled in your client contract — ask your carrier what business coverages apply to your studio.

What if I only drop off arrangements?

Even drop-off florists can be asked for a COI when they enter a commercial property. Confirm the venue’s vendor list rules early so you are not scrambling the morning of.

How do I help couples who need event insurance?

When the venue requires the host’s event liability COI (not just vendor COIs), send couples to Cover My Confetti’s wedding and Get Covered resources.

Florist & Décor Insurance | Cover My Confetti

Florist insurance and event décor insurance questions show up when install day meets a venue’s vendor packet. Cover My Confetti explains the usual COI ask and points you to Thimble for business coverage around event work.

Why venues ask florists and décor teams for a COI

Install crews move ladders, hang pieces, place candles, and roll carts through guest spaces. Venues want documentation that vendors carry liability for third-party injury and property damage while on site.

Planning notes for florists and décor studios

Install crews, ladders, and candle / flame policies at venues
Delivery vans and on-site damage to property
Many venues require vendor COIs before load-in
Ask about hanging points, tape rules, and teardown windows in writing
Keep a reusable certificate workflow for multi-venue wedding weekends

Explore coverage

View Thimble options for florists and décor studios →

Also see the event business insurance hub and rental company insurance if you supply large props or furniture.

Help your clients

When the host needs event-day liability for a wedding or party, send them to:

Common questions

Do florists need insurance for wedding venues?: Many venues require florists and décor studios to provide a certificate of insurance before install day, especially when crews use ladders, hang installations, or bring open-flame candles.
Does florist insurance cover damaged flowers or client redesigns?: Liability coverage is mainly about third-party injury and property damage. Product quality and design disputes are often handled in your client contract — ask your carrier what business coverages apply to your studio.
What if I only drop off arrangements?: Even drop-off florists can be asked for a COI when they enter a commercial property. Confirm the venue’s vendor list rules early so you are not scrambling the morning of.
How do I help couples who need event insurance?: When the venue requires the host’s event liability COI (not just vendor COIs), send couples to Cover My Confetti’s wedding and Get Covered resources.

Florist & Décor Insurance