Florist Stock Cover

Florists tend to be most exposed to risks during the seasonal peaks when they have more flowers in stock such as Valentine’s Day, Mothers’ Day, Easter and Christmas. Loss or damage through fire, floods, broken vases and theft, means that they have more to lose during a traditionally profitable time if they don’t have an insurance cover which takes into account the increased value of the cost of replacement and the loss of profit.

Florists can now insure against industry hazards to protect their business during peak stock increases. Whether the freezer breaks down the night before Valentine’s or Mothers’ Day ruining large quantities of stock or theft, florists can now shop for unique florist policies, rather than a standard shop policy with a few tweaks.

When signing up for florist insurance, specialist covers in the standard insurance policy should include florist building insurance which covers the structure of the business premises; florist contents insurance which covers business contents and other stock your business is responsible for; key day stock increases, consisting of the automatic increase in cover during peak times which includes the weeks leading up to and on Valentine’s Day, Mothers’ Day in addition to the standard policy cover for Easter and Christmas; Breakdown of fridge/freezer units, taking account of deterioration of stock following the breakdown of chilled out cabinets, cold stores, rooms or freezer units. Other covers to look out for are business interruption and legal expenses, money and malicious attack and goods in transit.

Brighter Business specialises in business insurance for small businesses like yours. Our aim is to deliver great commercial insurance cover that doesn't cost the earth.

Article Source: http://www.thearticleinsiders.com