An electrical fault sparks a fire in the back work area overnight, damaging flowers, gift stock, wrapping supplies and shelving. The florist must replace ruined stock, clean the premises and carry out repairs before reopening to customers.

Commercial Property Insurance may respond to loss or damage to insured stock, contents and business property arising from a fire at your premises.

During a busy Saturday pickup period, a customer carrying a large arrangement knocks over a metal display stand and the front shop window shatters. The florist must make the area safe straight away and organise urgent replacement glass.

Glass Cover is a benefit commonly included under Business Pack Insurance. It is designed to respond to accidental breakage of insured glass at your premises, including reasonable repair and temporary protection costs.

When staff arrive to open the store, they find the front lock has been forced open. Premium bouquets, gift hampers, tools and the EFTPOS tablet are gone. The florist needs to replace stolen stock and contents quickly so customer orders can still go out.

Commercial Property Insurance may respond to loss of or damage to insured stock, contents and specified items arising from theft or forced entry at your business premises.

A customer walks into the florist shop on a rainy morning and slips on water tracked in near the display fridge. They injure their back and later claim the business failed to keep the floor safe for visitors entering the store.

Public Liability insurance is designed to cover third party injury claims and defence costs arising from your business activities.