Protect your florist business
Florist and flower shop insurance protects you against a number of events that could lead to financial losses or claims being made against you. It’s designed to protect you and let you work without worry. Without the right cover in place, you could find yourself personally liable for business losses and third party claims.
What does florist shop insurance cover?
Typically a florist insurance policy will cover:
Key florist insurance covers in detail
Florist contents and stock insurance
Florist insurance typically incorporates a number of covers designed to safeguard your business against the unexpected. Your assets should be a key consideration, to protect your business contents, stock and premises from damage that could be caused by theft, fire, storm or flood. We can even arrange cover to protect your business equipment whilst you’re out and about away from your business premises.
Business interruption insurance for florists
If you were to suffer damage at your premises as the result of a flood for example, you may find that you are unable to trade for some time while the building is restored. Having business interruption cover included in your florist insurance can ensure that should you suffer property damage, your gross profit and fixed expenses would be taken care of. You never know what is around the corner, and this cover could be the life saver of your business if something unexpected were to happen.
Florists liability insurance
Liability insurance is another fundamental aspect of your florist and flower shop insurance, and can protect you against claims from third parties for accidental injury or damage to their property.
Public liability cover can protect you should your customers, suppliers and members of the public injure themselves whilst visiting your shop. Likewise employers' liability insurance can protect you if your staff injure themselves during the course of their employment. Compensation awarded as a result of liability claims can be high and the legal costs incurred as a result can also be costly. Having liability insurance in place safeguards your livelihood in case something happens.
Florist legal expenses
Commercial legal expenses can be included as part of your florist insurance. This offers cover for tax and VAT disputes, as well as employment disputes and compensation awards, and even jury service allowance if you, your business partners or employees are summoned.
Get florist insurance quotes with Premierline
All these covers can be tailored to your individual requirements to make managing your flower shop insurance policy as easy as possible giving you peace of mind to let you work without worry. Compare policies and get florist insurance quotes online or for advice call our expert advisors.