I have a coffee shop and restaurant inside my garden centre. Can you include insurance for this?
Yes! We can cover for many types of diversification. What’s more we can update your policy as you grow too, so at any time, you can give us a call to make sure you’re covered, or increase, or decrease your cover as you need to.
Over the Christmas period our stock level increases dramatically. How do I get extra cover for this?
We automatically include cover for a 25% increase in stock in November, December and January, and also around bank holidays. This does not cost you anything extra but simply means you can get on with running your business, and not have to worry during the times you’re most busy. For any other times, you can simply call to increase your sums insured limits as you need.
Are work experience staff covered by employers liability insurance?
Work experience is a form of employment, and as such you are legally required to provide protection in the form of employers liability. Our insurance will cover all of your staff including unpaid, contracted and seasonal.
What does public liability do? Is this cover included?
Absolutely. Public liability is one of the most important features of any business insurance. It protects your customers against injury or loss suffered due to your business, such as a slip or fall. You can learn more about it in our guide to public liability.
Can I pay in monthly instalments?
We offer all our garden centre customers interest free monthly instalments over a 12 month period. This can be set up easily when you arrange your cover.