When managing your florists it is important to know you have the back up of a solid, reliable and comprehensive florists insurance policy. Here at Endsleigh we believe in tailor making your floristry insurance to make sure you can focus on your flourishing business. Our policy can be adapted to cover the things most important to you.
When taking out florists insurance with us you will be covered by employers and public liability as standard. Employer’s liability is a legal requirement for any business that has one or more employees and therefore we offer this cover as standard at £10 million; we also provide public and product liability starting at £1 million. Depending on the liability insurance needs of your shop, this cover can be extended to £5 million. Public and product liability will cover your legal liability to pay damages to third parties for death, bodily injury and damage to their property.
Contents insurance comes as standard with our florist insurance policy and can cover stock, fixtures and fittings, trade contents, computer and electronic equipment, customer goods, staff effects and all other contents. You can extend your cover to include buildings insurance; this will cover your shop front, retail premises, outbuildings, and landlords fixtures and fittings.
If you are affected by an insured peril at your florists, such as fire or flooding , and you are unable to trade or operate as a business, Endsleigh’s florists’ insurance automatically provides business interruption cover. This will provide you with cover for loss of income and as standard will cover you for 12 months following the event. This can be extended up to 36 months depending on the particular needs of your business. You are also automatically insured for commercial legal protection, glass breakages, money, and personal accident.
Within the floristry industry, there are many occasions where your products are being delivered to the client; due to this, we offer, as an optional extra, the opportunity to include goods in transit cover; this will insure your products during delivery or collection in owned, hired, or leased vehicles. You can also tailor your insurance to cover theft by employees and provide liability insurance whilst working away from your florist shop.
There are two easy ways to obtain your insurance quote. For an instant quote visit the shop insurance page now, alternatively you can call our dedicated team directly on 0800 121 4407 and discuss your business insurance needs.
