There is no possibility that the fee for wedding floral decorations can be covered by insurance. Therefore generally speaking, the wedding flower arrangement fee must be paid by bride/groom or their parents.
When it comes to funeral flower decoration fee, the story is different. First of all, many people effect life insurance. When he/she unfortunately passes away, the beneficiary of such insurance usually gets paid by insurance company. In the case of life insurance, usually there is no restrictions about the use of money paid by insurance company. Namely it is fully up to the beneficiary for what kind of purpose he/she spends the money paid by insurance company.
Further, some people effect burial insurance even if they do not effect life insurance. Depending upon the conditions of such insurance policy, there is high possibility that the fee for funeral flowers is covered by burial insurance. Due to above reasons,
the insurance beneficiary (who is usually the person who orders funeral flowers) has very high possibility of getting paid for funeral flowers fee by insurance company.
From the business standpoint, funeral flower decorating business is more secured for getting paid than wedding flower business. If the situation is like this, students usually feel motivated to learn funeral flower arrangements so that they plan to do funeral floral decoration business. However only limited number of students want to learn funeral floral decoration. This MAY be because people are apt to stay away from sad and miserable events like funeral. This is quite understandable.