Shop insurance for florists

If you work from a shop or retail unit, Florigard Shop Insurance helps you protect your premises, staff and stock with options that include:

• £5,000,000 Public Liability Cover, including delivery, setting up your flowers at outside locations and events
• Goods in transit cover
• Revenue protection cover of up to £600,000 over 24 months
• Employers Liability Cover £10,000,000 including injury in respect of working partners
• Theft by an employee cover
• Low standard excess of £100
• Help lines and commercial legal expenses if you need advice or support with a problem, or are contemplating legal action
• Interest free instalments
• Access to a range of commercial and legal help lines
• Up to 15% discount for BFA members (Subject to minimum premium and underwriting)

Freelance florist insurance

Freelance Florist Insurance from Floriguard allows you to choose all the elements you need and leave out the ones you don’t. Perfect if you prefer the minimal approach.

Cover options available:

• Public Liability: £5,000,000
• Employers Liability option
• Business equipment cover options of £2,500 or £5,000
• Stock (in premises) option
• Tax & Property Protection cover for fees and expenses in respect of Tax Investigation and Property Protection
• Employment & Prosecution Protection (when Employers Liability cover is selected)
• Excesses:Tools & Business Equipment and Transit £250, Third Party Property Damage £250, Computer Equipment £250, Property All Risks £250.

Home insurance for florists

We don’t just go further to protect you at work, we also do the same at home. Our home insurance for florists has been designed exclusively for florists and their staff members so you have peace of mind at home cut and dried, too.

• Buildings only, contents only or both
• Only £50 standard excess
• Blanket cover of £1,000,000 Buildings
• Blanket cover of £75,000 Contents
• £25,000 cover for high risk items in the home (single article limit £2,500)
• Premiums payable by interest free instalments
• No Claims discount of up to 25% for claim free customers
• Cover for business equipment and student belongings included
• Home emergency assistance cover up to £250
• Locks & Keys Cover up to £750
• Contents in the garden covered up to £2,000

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Add FloriGUARD to your toolkit today