FREQUENTLY ASKED QUESTIONS

FloriGuard Retail Insurance

Does my policy cover me during busy periods?

YES. Your policy will automatically increase the stock sums insured by 50% for November, December and 31 days prior to Easter day, Mothers’ day and Valentines day

Can I alter these months?

YES. Just contact us and we will tailor the policy to your requirements.

How can I pay for the policy?

Interest Free Direct Debit over 10 months.
Debit card over the phone.

What Excesses will I pay?

Property Damage is only £100.00.

Other excesses that apply:

Glass £50.00, Stock in transit £100.00, Deterioration of stock £50.00, Money of £50.00 and Subsidence (if cover required) £1000.00

Will I need to complete any forms?

NO. Our policy is based on a statement of fact.

I'm a member of the British Florist Association. What do I do?

When you are talking to us just let us know your membership details. If you are using our online quotation request, simply fill in the appropriate box. You will be entitled to up to 15%* discount off of the standard FloriGuard rates.

Will I receive my documentation quickly?

YES. All documentation is issued by us and will include your policy schedule and Employers Liability Certificate.

Will you inform me when it is due for renewal?

YES. Giving you plenty of time to review your cover and terms for the following year.

How can I adjust my levels of cover?

By simply contacting the FloriGuard team on 0845 313 9871 (if you're adjusting a quotation) or 0845 313 9872 (if you're adjusting an existing policy)

Do you offer any other insurers for florists?

Yes. For Florists that do not work from a retail outlet we also offer FloriGuard Freelancer, a policy designed for freelance, event, wedding and floral design florists and for those with delivery vehicles we offer FloriGuard Van Cover.We also offer home and travel insurance for florists and florist employees. Call us on 0845 313 9871 for more information.

How do I make a claim?

General Claims Helpline:         0845 300 4006 (24 Hours)

Legal Advice:                               01455 251 500 (24 Hours)

Tax Advice:                                   01455 251 500

Employment Advice:                  01455 251 500

Health & Safety Advice:             01455 251 500 (24 Hours)

Counselling Helpline:               01455 251 500 (24 Hours)

Legal Expenses Claims:          0208 652 1313

Where prompted when accessing the above helpline services please quote reference: 33789 and have your policy number to hand.

Or contact us on 0845 313 9872 for further assistance.

How quickly can I arrange cover?

NOW. Over the phone with the FloriGuard team on 0845 313 9871

How long does a quotation take?

Its easy, about 5-10 minutes!

Who is the insurer?

Royal & Sun Alliance Insurance Plc.

What discounts can I obtain?

We offer discounts for no claims, security and trading experience. We also offer exclusive discounts of 15%* for members of the British Florist Association (*subject to our minimum premium of £210.00, including insurance premium tax)

Why should I go with FloriGuard?

Because unlike other policies, we're specifically designed for florists, we don't charge any policies fees, our prices are very competitive and we're the ONLY policies endorsed by the Florist Trade Association - The British Florist Association. That's why we're the home of Professional Florist Insurance.

FloriGuard Freelancers

How can I pay for the policy?

Debit card over the phone or for premiums over £210 we offer a 10 month instalment facility (subject to charge).

What Excesses will I pay?

Tools & Business Equipment and Transit £50, Third Party Property Damage £250, Glass £100, Computer Equipment £200, Property All Risks £100.

Will I need to complete any forms?

NO. Our policy is based on a statement of fact.

What cover do you offer?

Standard cover includes Public Liability insurance and Tax & Property Protection. Other sections can be included to cover Tools and Stock in Transit, Employers Liability cover plus Employment and Prosecution Protection.

Will I receive my documentation quickly?

YES. All documentation is issued by us and will include your policy schedule and any relevent certificates.

Will you inform me when it is due for renewal?

YES. Giving you plenty of time to review your cover and terms for the following year.

How can I adjust my levels of cover?

By simply contacting the FloriGuard team on 0845 313 9871 (if you're adjusting a quotation) or 0845 313 9872 (if you're adjusting an existing policy)

Do you offer any other insurers for florists?

Yes. For Florists that work from a retail outlet we also offer FloriGuard Retail Insurance and for those with delivery vehicles we offer FloriGuard Van Cover.Call us on 0845 313 9871 for more information.

How do I make a claim?

General Claims Helpline:         0870 600 2123 (24 Hours)

Legal Helpline:                           0870 908 0793 (quoting reference ALP 1080)

Call charges to 0870 numbers reduced:
From 1st August 2009 calls to any 0870 numbers will be charged at the same rate as calls to 01 or 02 numbers. In addition, inclusive minutes packages on landlines will also include calls to 0870 numbers. These charges will not apply to calls from mobile networks which may cost more.

Or contact us on 0845 313 9872 for further assistance.

How quickly can I arrange cover?

NOW. Over the phone with the FloriGuard team on 0845 313 9871

How long does a quotation take?

Its easy, about 5-10 minutes!

Who is the insurer?

Groupama Insurance

FloriGuard Van Cover

Who is the insurer?

Equity Red Star Insurance

How long does a quotation take?

Its easy, about 5-10 minutes to take the information and we will call you back within a few hours with your tailored quotation.

How quickly can I arrange cover?

NOW. Over the phone with the FloriGuard team on 0845 313 9871

Please contact us on 0845 313 9871 for more information on this product.