UK Florists Insurance

If you own a shop, you are probably wondering what kind of insurance you’re going to need. What would happen if one of your employees or customers were to get hurt on your premises? Shop insurance is one of the most important aspects of owning a business. For florists, having an insurance plan that is tailor made per your business is a great way to give you the peace of mind that you need. Finding insurance for you flower shop doesn’t have to be a daunting task. In fact, it can be very easy.

Over the last couple of years, many insurance providers have been creating policies that are specific to the floral industry. Many companies will offer these services to you for a great price. In the UK, florist insurance falls under a standard business insurance policy. The good thing is that they can tweak your individual policy to cover loses and other expenses should the occasion arise. Click here for the UK's best florist insurance.

Under a standard cover, your shop will have all of its trade contents insured. This will include all contents that are in transit to your shop. This coverage will cover all of the risk for other contents in your shop like fixtures, stock, fittings, and even personal possessions of employees and customers. These would all be covered from fire, theft and flood.

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When you choose your coverage, you need to decide how much you would like to be insured for public liability. Public liability will keep you covered for compensation if any third party is ever injured or if there is any damage to their property caused during the course of business. This would also cover any damages that could occur from the sale of your products. This is extremely important for florists because of the nature of the work. There is always water in a floral shop, which could result in a slip or fall so look into public liability insurance.

Employer’s liability insurance is another issue that shop owners must consider. When you are choosing your coverage, you must take the chances of your employees getting injured into account. If one of your employees is injured during the course of business, you must be insured to cover their medical bills and loss of wages. Sometimes it is wise to consider temporary car insurance too!

Insurance policies will also offer you loss of income and loss of book debts coverage. This is great for is you are ever unable to conduct business because of peril. You will even be able to insure all of your signage and your glass windows. If you’re using any equipment that is pertinent to your business, be sure to get this insured. Insuring your equipment will come in handy if they should ever breakdown. This would also cover anything from a boiler to a building collapse. Personal accident and assault insurance is also available with most plans. If your store is ever robbed and you’re injured due to this, you can be insured to help you or any merchandise that was stolen.
A lot of policies will offer a multitude of optional coverage’s for your shop. One of these is coverage against your building. This type of coverage would insure your property against any damage. This could include your shop front and fixed glass. Some insurers will even offer coverage against a terrorist attack.

Having the best policy for your shop isn’t just good for you; it’s good for your business. When you’re shopping around for insurance for your business, make sure that you are getting a policy that is best for your shop and for yourself. Protection against the various perils that can strike at any time is essential for all business owners. Taking care of your employees will give them the satisfaction and confidence of knowing that when tribulation strikes, they will be taken care of. Fire, water and theft will happen when you least expect it, debilitating your profits and your livelihood. Being prepared for the unexpected is key.

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Copyright Terry Ross 2010