Cut Flower Business

We pay £60 for the year - that covers us for three people - so we include my husband who is the “driver/carrier” and more likely to injure people than me and my friend who just man the stall selling the flowers!
This insurance also covers us for any other sales/venues we might go to eg Summer Fetes or Christmas Fayres. Well worth it for peace of mind in case my husband drops flowers on the customer as he’s delivering!!
Also, my friend does as you do Scarlet and sells flowers at her garden gate - so is covered for this too. As I am at “the far end” I  don’t get any trade at the gate because nobody passes by!

I haven't paid for it yet, I think I will do it but maybe wait until Spring and hit the road running. If I want to add the extras that I make enamels etc I need to include that in my insurance - so maybe need a little think through before jumping straight in. Do you sell anything at Christmas? 

I need a gardening plan  will do my hardy annuals today - should have done them last week!

Autumn and Christmas leaves us scrabbling around trying to find something. My friend takes a few pots of bulbs (crocus, hyacinths, narcissi). I take a few pots of violas or pansies. They don’t sell, but they make the stall look bright and colourful!
we look on it as our day out and reckon that our takings when the flowers are in full swing compensate us for not even covering the cost of the stall in lean times.
It also depends on whether you are expected to pay anything for your stall when you’re not there. Our big worry is that if we stay away, then someone else will nab our spot and we won’t be able to get it back when we have more stuff to sell. Also our regular customers expect us to be there - even if they don’t want to buy every week.
My friend produces lovely Christmas wreaths too, but they take her ages and need a great deal of foliage. I’m sure that the price she charges nowhere near covers her time - but again, she enjoys doing them, and we look on it as our “social life”.