What is florists insurance?
As a florist, you know life, like your business, is so much sweeter in full bloom. And when your business is thriving like your flowers, you want to ensure its protected from any little accidents along the way – which means you need an insurance policy tailored to your unique risks.
Why do you need florists insurance?
Here at Tradesman Saver, we pride ourselves on building specific policies, designed around the needs of our customers. We’ve worked with businesses like yours to create our florist insurance policy, packed full of all the covers you’ll need to help your business blossom.
Tradesman Saver’s Public Liability Cover For Florists
Our standard cover is:
- Up to £5 million cover for public and products liability
- £10,000 cover for any financial loss (£50K cover optional)
- Worldwide liability cover for temporary work abroad for up to 14 days (excluding the USA and Canada)
There are many insurance options which would benefit your florists business, and public liability is one of the most significant. This protects you if your work ends up damaging a client’s property or injuring a client or member of the public. For example, you may need to pay compensation if a client trips over your tools and is injured or you accidentally damage a customer’s carpet with your muddy work boots.
Claims such as this can cost a small fortune but having public liability cover means you won’t be responsible for paying any of the resulting expenses. You can purchase this as part of our automatic package, which also covers you for financial loss, legal expenses, and more.
Other relevant insurance policies for a florists business include employer’s liability, which is a legal requirement for anybody who employs staff, and professional indemnity insurance. Here at Tradesman Saver we have all the coverage you may need as a florist and you can get your quote online in minutes.
Online & Anywhere
We like to keep things simple. Your quote, purchase and documents are all available online, anytime.
No need to wait for your documents. Our tradesman cover starts from the moment you purchase.
Public liability, products liability, financial loss, legal expenses and accidental death cover as standard.
Cashflow is important to every business. Spread the cost by paying in easy monthly instalments.
Florist’s Public Liability Insurance
When you’re a florist, you know that trying to find the right insurance policy to suit your needs can sometimes be pretty difficult – especially when you start to get into the bare bones of it and try to understand the huge barrage of insurance terms associated with it. It’s sad to say, but it can almost end up leaving you feeling more confused than when you began. But, if you’re lost in confusion, don’t fret – there really is only one insurance cover you need to know about, and that’s public liability insurance. What you need to know about public liability insurance is that it acts as the foundation of your insurance policy, protecting you from claims arising out of injury to third parties and damage to their property. It can be applied to both clients and members of the public, and is absolutely vital in ensuring you’re protected from any accidents or mishaps. It’s definitely a cover you want at your back when things go wrong.
It Shouldn’t Happen To A Florist
Here is an example of a claim:
You’re decorating a venue for a wedding. As you’re placing one of the heavy vases down, you accidentally knock the table where the wedding cake is, and the cake falls onto the floor. The angry bride and groom make a claim for compensation. Your public liability insurance can be your best friend here – your insurer will pay out the costs of the compensation, so you can continue doing what you do best.
Fantastic and very quick thank you
quick easy to set up and good value- was recommended by another tradesman
Easy to get quote & pay, which was good,hopefully won’t find out if they are any good at claims