Bridge Insurance

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+44 (0)161 236 3141

Frequently Asked Questions (FAQs)

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, Mother's day and Valentine's 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?

You are able to pay by debit card over the phone or instalment facilities are usually available.  Should you wish to pay by monthly instalments full information as to the payment basis will be provided once you decide to proceed with cover. Please note that the implementation of the EU Consumer Credit Directive from February 2011 means we have to provide specific information to you so you are able to decide if that basis of payment is right for you.  We are also legally obliged to advise you of the interest rate applicable and APR and inform you of who is providing the credit facility and our relationship with them.

You also need to be aware that whoever provides the instalment facility may carry out credit checks which might involve use of a credit reference agency.

FloriGuard Shop Insurance is currently interest free and 0% APR

What Excesses will I pay?

Property Damage is only £100

Other excesses that apply:

Glass £50, Stock in transit £100, Deterioration of stock £50, Money of £50 and Subsidence (if cover required) £1000

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. 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 0161 236 3141 (if you're adjusting a quotation) or 0161 234 9330 (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 insurance for florists and florist employees. Call us on 0161 236 3141 for more information.

How do I make a claim?

General Claims Helpline:          0800 975 4281 (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 have your policy number to hand.

Or contact us on 0161 236 3141 for further assistance.

How quickly can I arrange cover?

NOW. Over the phone with the FloriGuard team on 0161 236 3141

How long does a quotation take?

It's 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 £240, 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.

Do you insurer Market Stalls?

Yes, but only if the stall is a secondary trading location to your primary shop. Unfortunately we cannot insure a Market Stall / Stall as your sole trading location.

How can I pay for the policy?

You are able to pay by debit card over the phone or instalment facilities are usually available.  Should you wish to pay by monthly instalments full information as to the payment basis will be provided once you decide to proceed with cover. Please note that the implementation of the EU Consumer Credit Directive from February 2011 means we have to provide specific information to you so you are able to decide if that basis of payment is right for you.  We are also legally obliged to advise you of the interest rate applicable and APR and inform you of who is providing the credit facility and our relationship with them.

You also need to be aware that whoever provides the instalment facility may carry out credit checks which might involve use of a credit reference agency.

There is currently an interest charge for instalments on our FloriGuard Freelancer policy. Please contact us for further information.

What Excesses will I pay?

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

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 Business Equipment 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 relevant 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 0161 236 3141 (if you're adjusting a quotation) or 0161 234 9330 (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 0161 236 3141 for more information.

How do I make a claim?

General Claims Helpline:         0500 114477(24 Hours)

Or contact us on 0161 234 9330 for further assistance.

How quickly can I arrange cover?

NOW. Over the phone with the FloriGuard team on 0161 236 3141

How long does a quotation take?

Its easy, about 5-10 minutes!

Who is the insurer?

Aviva

Do you insurer Market Stalls?

Unfortunately we cannot insure a Market Stall / Stall as your sole trading location.

Who is the insurer?

Ageas 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 can I pay for the policy?

You are able to pay by debit card over the phone or instalment facilities are usually available.  Should you wish to pay by monthly instalments full information as to the payment basis will be provided once you decide to proceed with cover. Please note that the implementation of the EU Consumer Credit Directive from February 2011 means we have to provide specific information to you so you are able to decide if that basis of payment is right for you.  We are also legally obliged to advise you of the interest rate applicable and APR and inform you of who is providing the credit facility and our relationship with them.

You also need to be aware that whoever provides the instalment facility may carry out credit checks which might involve use of a credit reference agency.

There is currently an interest charge for instalments on our FloriGuard Van Cover policy. Please contact us for further information.

How quickly can I arrange cover?

NOW. Over the phone with the FloriGuard team on 0161 236 3141

Please contact us on 0161 236 3141 for more information on this product.

FloriGuard shop insurance is a highly competitive policy tailor made for retail florists.

Learn more

Retail Florist Insurance

FloriGuard Freelancers ​provides essential cover and peace of mind for Freelance, Event and Wedding Florists.

Learn more

Freelance Florist Insurance

Our Bridge Bespoke Home Cover offers blanket cover for buildings and contents with optional add-ons allowing you to tailor the policy to your requirements.

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Home Insurance for Florists

The British Florist Association is the only trade association in the florist industry that is recognised by Government both here and in Brussels.

Learn more

British Florist Association

Contact us