Business Insurance For Florists

Owning a florist means that you work closely with your customers, ensuring that you meet their every need. This could be anniversary flowers, birthday flowers or funeral flowers – your customers depend on you.

As a florist you will understand that each customer has different needs and this means that you have to work as well as possible so that you meet their requirements. However, as you agree to deliver flowers by a certain time or to provide flowers for an event it means that you are exposing yourself to the risk of a claim. If you act negligently or if you offer the wrong advice then your customers can make a claim against you for compensation or to recover any lost finances. Errors and misjudgements are unfortunately a part of life but protecting your business can help to limit the damage.

Business Insurance Perfect For Florists

Business insurance is designed for your business and ensures that it protects you in every possible way. As it works for your business it will protect you against claims associated with incorrect advice, negligence or poor workmanship. A claim can be made at any time and they are usually unexpected so ensuring that you are covered will allow your business to continue to function without worrying about the damage it could cause. Financial loss or injury could occur and you could be to blame so choose to put business insurance in place so you have complete peace of mind, knowing that you are covered.

For many years, you may have worked as a florist and you may never have had a claim made against you. However, a claim can happen at any time so you need to ensure that you have business insurance.

Professional indemnity insurance is created to fit your business needs while protecting you at the same time. It is possible for you to act negligently or offer incorrect advice and these could result in a claim being made against you. You could agree to put together several flower bouquets by a specific deadline but fail to deliver or you could carry out contractual obligations by failing to make a weekly delivery of flowers to a client. There are many reasons why a client would make a claim against you but your main concern should be to ensure that your business is protected. Clients may want to recover any losses or they may look to receive compensation both of which would be covered by professional indemnity insurance.

Having public liability insurance would protect your from claims made against you that result in injury to your client or if you cause damage to their property. Something as simple as a bucket that holds flowers could be damaged and is leaking water over your floor which could lead to a customer slipping and severely injuring themselves. This could mean time of work for them and a loss of earnings. This could mean that they will make a claim against you in order to recover these losses. Therefore, putting the right cover in place will protect you.

You will experience the following features:

• Complete cover for all claims
• Evaluation of claims prior to payment
• In-depth protection for your business
• Defence costs and compensation costs are included
• Full consideration of your business needs to ensure the right cover is selected
• Court attendance costs form part of the cover
• Cover to fit your budget

What Are the Benefits?

You will experience these benefits:

• Meet any legal requirements as well as regulations
• Focus your attention on your business and not claims
• Protects your finances form expensive costs
• Advice and representation are available
• Make decisions knowing you are protected