Insurance Guidance for Creative Freelancers
Practical insurance guidance for creative freelancers and small business owners.
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Certificate of Insurance (COI): What It Is and How to Get One
If you’ve ever had a venue, landlord, or client say “just send over your COI,” and quietly wondered…
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Do I Need Business Insurance If I Work From Home?
Short answer: almost certainly yes, even if “working from home” just means a laptop at the kitchen table…
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How Much Does Small Business Insurance Cost? (2026 Breakdown)
There’s no single price tag for small business insurance, and honestly, that’s by design. A home-based Etsy seller…
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General Liability Insurance for Small Businesses: A Complete Guide
If you only ever buy one type of business insurance, it’s probably going to be this one. General…
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Insurance for Home-Based Floral Businesses
Working from home keeps overhead low and gives you full control of your space, but it creates a…
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Insurance for Floral Delivery and Transport
Every arrangement a florist makes eventually has to leave the workspace and get somewhere else — a customer’s…
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Do Freelance Florists Need Different Coverage Than Shops?
Not fundamentally different — but definitely a different mix. A freelance florist and a shop owner are exposed…
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Insurance for Florists Who Also Do Event Decor
Plenty of florists don’t stop at bouquets and centrepieces. Once you’re building suspended installations, styling entire ceremony backdrops,…
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Insurance for Seasonal and Part-Time Florists
Not every florist runs a full-time studio year-round. Plenty build their business around wedding season, holiday rushes, or…
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What If Flowers Cause an Allergic Reaction at a Venue?
Allergic reactions aren’t the first risk most florists think about — vases breaking and arches tipping over feel…