Florist insurance? Why do I need it??
Let's face it, flowers can be evil little so-and-sos. Don't believe me? take a look at the list below of these poisonous flowers and plants!! *
Seriously though ...
Anyone who runs a shop, even those selling flowers, run risks every day. Own the shop? It could suffer fire, flood, vandalism. If not there is still theft, accidental damage and even claims from customes slipping on a damp floor or tripping over a floral display; yes the compensation culture is still alive and well. A refrigeration breakdown in hot weather could ruin stock. Roadworks nearby could stop customers reaching your shop, or worse still prevent you from delivering those urgent wreaths and bouquets. I'm sure you could think of a few more possibilities.
Plus, if you employ staff you have no choice anyway; you have to have employer's liability insurance anyway, to comply with the law. however:
Why waste money on insurance you don't need?
Almost as bad as having too little insurance is having cover that you don't need; or paying too much for the insurance you DO need! After all premiums come right out of hard earned income. This is why we don't offer packages of different types of cover; some of them may be of no benefit to you.
On the other hand, every policy you buy via this site will be tailor made for you. This way you get the insurance you really need, without wasting money on non-essentials.
Why should I buy my insurance via you?
Most companies that provide florist insurance are brokers. Many of them offer products from just one insurer only.
We don't. We have access to a large number of brokers, each with their own panel of insurers that they can get quotations from. Our clever system can that match you with the brokers from our panel, which be believe are best suited to get you a great deal on your insurance!
Naturally every broker we deal with is fully Authorised and Regulated by the Financial Conduct Authority, which ovesees the highest standards of ethical conduct.Why not put our system to the test now? Just give a few details and you will soon be receiving competitive quotes.
* List of poisonous flowers/plants
Maikoa; Euphorbia; Monkshood; Aconitum; Bloodflower; Ranunculus; Century plant; Frangipani; Asclepias; Belladonna; Philodendron; Pokeweed; Adonis; Dogbane; Lycoris radiata; Poison hemlock; Lily of the Valley; Brugmansia; Gloriosa lily; Stramonium; Datura; Goldenseal; Yellow bell; Blue cohosh; Rhododendron; Iris; Lords and ladies; Caladium; Bloodroot; Azalea; Pulsatilla; Clematis; Pittosporum; Grevillea; Digitalis; Hydrangea; Hyacinth; Nightshade; Horse nettle; Moleplant; Lantana; Yellow jessamine; Aquilegia; Mountain laurel; Oleander; Duranta erecta; Sweetpea; Calla lily; Horse-chestnut; Lobelia; Toloache; Laceflower; Anthurium; Colchicum; Scotch broom; Crown vetch; Delphinium; Henbane; Wisteria.
Some species of these can give people severe hay fever:
Gypsophila (Baby’s breath), Amaranth (pigweed), Chamomile, Chrysanthemums, Dahlias, Daisies. Jasmine, Sunflowers, Asters Goldenrod, Wisteria
Whilst we are on the subject, these trees are best avoided, when they are in flower, too:
Alder, Ash, Aspen, Beech, Birch, Box elder, Cedar, Elm (I once had a severe reaction just by touching one!)Field maple (the only native maple in the UK), Mulberry, The mighty oak, Olive, Pecan (not easy to grow), Pine, Poplar, Sycamore, Walnut and Willow.
How it works
- You fill in a simple form, giving some details of what you are looking for.
- You will receive broker quotations.