If you are just starting out as a florist then you may be working as a freelancer, offering your services in your free time. If this is the case then you need to make sure you are protected with florist insurance so that your business can expand and grow as beautifully as your bouquets! If you own your own florist then having an extensive florist insurance policy is of the utmost importance as it means that you will never be caught out by unexpected surprises. Nova Insurance only works with the most experienced insurance brokers in the market who will be more than happy to help you protect your business
Archives: FAQs
What do Nova Insurance offer?
Here at Nova Insurance we specialise in providing niche insurance products, meaning our customers can always find the right level of cover. We pride ourselves on our excellent customer service, so if you ever have any queries please feel free to contact us for advice
Can i combine cover with public liability?
If you own a large network of bakeries then not only will you need to keep on top of your business but also your employees, as they are all working in potentially dangerous environments. Employers liability insurance is just one way that this can be achieved, which is something our partners are able to offer as part of your bakers shop insurance policy. Public liability insurance and van insurance are two other extras that can extend the cover of your bakers shop insurance, which can protect you against any issues with the public or your work vehicles. To find out more fill out our online quotation form now!
How do i ensure i get the right bakers insurance?
In order to determine which type of bakery insurance would be suitable for your business the first thing you need to consider is the equipment that you rely on on a daily basis. Ovens, fridges and cookware rarely come cheap, and as a baker your business could be jeopardised if one of them breaks. If you own a number of bakeries it is therefore essential that you know each piece of equipment in your stores is covered should the worst happen. Furthermore, if your equipment is beyond repair your insurance policy will pay to replace it, allowing your business to carry on as normal.
I own my own salon, can you help?
If you own a salon then make sure you visit our salon insurance page to find out more about the range of competitively priced products our partners can offer you
Can i combine cover and public liability?
Along with protecting your equipment, your hairdressers insurance policy should also ensure that you yourself are protected while at work. For example, your hairdressers insurance can help you should your equipment get damaged or stolen or in the more likely event of them just breaking! Combined with public liability insurance your hairdressers insurance can also protect you against legal claims made against you by members of the public. As someone who provides a service to the public on a daily basis it is essential that you are covered in case you injure or damage a client.
How do i ensure i get the right cover?
In order to make sure you are receiving the right hairdressers insurance policy the first thing you need to do is make a list of all the services you provide and the equipment you require to do so. This is so you can make sure your new policy will help you should you ever encounter any issues and help you get back to work as soon as possible. If you offer beauty treatments as well as hair treatments then you can combine your hairdressers insurance policy with a beauty insurance policy. If this sounds like something that could help your business then make sure you fill in our online quotation form today
Why Nova Insurance?
Our shop insurance is extremely extensive, which means that you are protected against a wide range of damages as well as various forms of liability. Add to this our competitive prices and excellent customer service and you can see why so many customers choose to use Nova Insurance time and time again. We have also been in the insurance industry for over 18 years, which means that you will not only have our products on your side but also our experience. If you would like any more information about our shop insurance policies then call 0800 083 1566 and one of our advisers will be happy to help!
Can my policy cover my employees?
We strongly suggest to all our customers to include public liability cover in their policies as well as employer’s liability cover, as if one of your employees has an accident at work they could hold you responsible. It’s impossible for shop owners to keep an eye on their staff at all times, especially if they work in a fast paced industry where accidents do happen. Even if these accidents aren’t your fault you may have to argue your case in court, and our shop insurance can cover the cost of legal fees.
How expensive will my premiums be?
Like all types of insurance, the cost of your shop insurance will depend on the amount of risk you pose, which can include where you are situated and the type of services you offer. It’s important to make sure that your business is not only protected when it is open but also when it’s closed, and if it is in a busy area you could find it more of a target for thieves. Our policies can protect your shop from damages caused by attempted thefts or fires from electrical faults, meaning that when you close up each night you can switch off too!
