FLORIGUARD RETAIL SHOP INSURANCE - COVER SUMMARY

FloriGuard is a highly competitive shop insurance policy tailor made for retail florists with premiums starting from only £21.00 per month, over 10 months interest free*, inclusive of Insurance Premium Tax. The policy has been developed by Bridge Insurance Brokers Ltd and Royal & Sun Alliance Insurance Plc and provides peace of mind to an ever increasing number of florists. Click to obtain a QUOTE or call 0845 313 9781.

The wide ranging cover includes:

• “All risks” cover on Stock and Trade Contents including accidental damage and theft (following forcible or violent entry or exit)
• Buildings Cover (optional Extension) Automatically including Subsidence cover
• Seasonal stock increase of 50% for November, December & 31 days prior to Easter day, Mothers’ day and Valentines day
• Deterioration of stock following a chiller breakdown £2,000
• Revenue protection cover of up to £600,000 over 24 months
• Book debts cover £5,000
• Public and Products Liability Cover £2,500,000
• Employers Liability Cover £10,000,000 including injury in respect of working partners
• Theft by an employee cover £2,500
• Goods in transit cover £2,500
• Cover for mechanical or electrical breakdown of equipment £5,000
• Legal Expenses cover limit £100,000 per incident (£1,000,000 any one period of insurance)
• Money Cover:
  in transit or in a bank night safe until removed by a bank official £5,000
  at your home or the home of any Employee or principal £500
  on the Premises during Business Hours £5,000
  on the premises in a locked safe outside Business Hours £2,500
  on the premises not contained in a locked safe outside Business Hours £1,000
• Assault Benefit:
  Death Benefit and Capital benefits £25,000
  Temporary Total Disablement £250 per week (maximum 104 weeks)

• Dedicated customer care helplines including Legal advice and access to contractors to carry out emergency repair work on insured damage

• Interest free instalments

• Excesses:
  Property Damage £100.00, Glass £50.00, Stock in transit £100.00, Deterioration of stock £50.00, Money £50, Subsidence (if cover required) £1000.00

  Cover can be tailored to your specification subject to insurer terms, conditions, exceptions & limitations. Click here for a quote.

  *Subject to policy terms, conditions, exceptions & limitation