Standard florist insurance policy

Our standard florist insurance policy is feature rich and full of useful inclusions. With in the standard florist insurance cover you'll also have options to change certain levels of cover that provides protection suitable for your business requirements.

Liability

Liability insurance gives you the cover you would need if it became necessary for you to pay legal costs for some reason. Public liability insurance comes as standard with the florist insurance policies you'll be offered on our website. You'll be able to put public liability in place to the value of £1m through Insure My Florist, with the option to increase the indemnity limit to £2m or £5m. Employers liability insurance can also be added to the policy if you employ members of staff either full, pert time of voluntarily.

Product liability insurance

If a client or customer of yours were to claim that they were injured by a product of yours you could be liable to pay costly legal fees. Products liability can help you meet those costs, therefore providing you with peace of mind and your business with financial security. The minimum limit of indemnity for products insurance is £1m with the option to increase to £2m and £5m; these are large amounts of money buts, as such, they reflect the potentially enormous amounts of money you might have to pay if legal action were taken against you.

Malicious attack

Many people may not think of running a florist shop as being a particularly risky profession but anyone working in the retail industry is exposed to certain hazards which need to be insured against. Stories of malicious attacks on those who own and run shops are a frequent occurrence in the news and a shopkeeper is always at risk from such occurrences. If you are injured as the result of an assault by an intruder intending to steal money or insured property you can make sure you're covered. £10,000 for death, permanent total disablement or loss of limbs within 12 months is available though our site.

Money cover

If you own and/or run a florist business you will frequently have money stored on your shop premises. And not only is cash extremely attractive to thieves it is very easily damaged. Money cover therefore makes excellent financial sense and can protect money stored on your business premises against theft and damage. Cover ranges from £500 for money left on the premises when unattended and not locked in a secure safe to £3,000 when in a safe when the premises are occupied or in transit from the premises to the bank.

Stock

Your stock constitutes an expensive and important component of your business inventory and if it were lost or damaged the effects to your business could be extremely disruptive. You can minimise the disruption your florist shop would suffer in the case of an accident but insuring your stock against damage or theft. When requesting your florist shop insurance quote you can select the sum insured for your stock, ensuring you won't be left short if you have to make a claim.

Legal expenses

If your florist shop becomes embroiled in a legal case the costs thereby incurred could be ruinous for your business if you had to meet them yourself. Legal expenses cover, available here from top insurance firms, can make sure that you would be able to meet the costs arising from litigation if an accident occurred on your shop premises. Legal expenses cover up to the value of £50,000 will be offered to you here and will give you the peace of mind to concentrate on running your business.

All other contents

It's not just your stock that can be insured with our florist insurance policies. All other business contents, other than stock and computer equipment, can be covered with your florist insurance policy, giving you total peace of mind when going about the day to day business of running your shop. For comprehensive contents cover, simply select your contents sum insured when requesting your florist shop insurance quote.

Glass, blinds and signs

The good condition of your glass, blinds and signs is crucial to the smart and professional appearance of your florist business and you would need to be able to repair or replace them quickly if they were severely damaged. Up to £2,500 is available for sanitary ware, external blinds and fixed plate glass inside the premises with £1,500 available for external electric signs.

Goods in transit insurance

You'll want your florists insurance to cover your goods and stock not only when they're on your shop premises but also when they're being transported from site to site. The goods in transit insurance you'll be offered here will give you precisely that kind of cover. You could secure cover of £2,500 for your goods when in transit to and from your business premises.