IoPF Member Benefit - Floriguard Insurance - British Florist Association

IoPF Member Benefit – Floriguard Insurance


With BFA Membership you are entitled to discount of up to15% off your shop insurance policy – this is only for BFA members. Insurance is a business expense we can’t avoid so it’s important to make sure you choose the right policy, one that’s taylor made for florists but at a price that can offer savings – that’s exactly the case with floriguard Insurance especially for BFA members!


Floriguard Insurance is available through our member benefit partner, Bridge Insurance Brokers Limited. To obtain a quote, take out or renew a policy, please telephone 0161 236 3141

To claim your discount off the policy please quote your BFA membership number which you’ll be able to find on your membership card, once this verification has been instantly approved your discount will be applied


The beauty with FloriGaurd is they understand our trade and have designed policies that work for florists, one example of this is the FloriGuard Retail Insurance will automatically increase the stock sums insured by 50% for November, December in the run up to Christmas and 31 days prior to Easter Day, Mother’s day and Valentine’s day, although this can be altered if you do a large amount of summer wedding work for example.  

The policies have the flexibility to be tailored even more specifically to your requirements.

FloriGuard appreciate how busy we florists are, they won’t make you complete endless forms – policies are based on a statement of fact.  All documentation is issued by them directly and will include your policy schedule and in the case of shop insurance the Employers Liability Certificate.  They’ll contact you regarding renewal and give you plenty of time to review your cover and terms for the following year.

You have all the convenient ways to pay for your policy; you are able to pay by debit card over the phone or instalment facilities are usually available. Whilst you should alwasy read all T&C’s and details may change FloriGuard Shop Insurance is currently interest free and 0% APR

You won’t get penalised with high excesses should you need to claim:
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

Not only is their General Claim telephone helpline available 24 hours a day but also their telephone helplines for Legal Advice, Health and Safety Advice and a Counselling Helpline.

Floriguard have been developing insurance policies for specific professions and trades like ours for over 30 years it becomes second nature for them to be the expert in the field.

Bridge Insurance Brokers Ltd was established in 1970 and is rated as one of the leading independent Brokers in the UK. Having a reputation for technical expertise, service excellence and integrity, they are committed to professional standards and are authorised and regulated by the Financial Conduct Authority, Firm reference number 308815. This can be checked on the FCA website

In summary FloriGuard is specifically designed for florists. Their prices are very competitive and this is why we The British Florist Association are happy to endorse them.


Florist Shop Insurance

Underwritten by RSA Insurance Group and available from only £245.20 per annum including Insurance Premium Tax, and payable over 10 interest-free instalments with a low policy excess of £100. With the further discount of 15% off standard rates is available to BFA members subject to a minimum premium.

Freelance Insurance

Cover for freelance florists, event florists, wedding florists and floral designers, underwriten by Aviva Insurance. This flexible policy allows you to select your exact requirements and tailor them to your needs and budget.

Florist Home Insurance

Competitive policy underwritten by RSA Insurance Group offers blanket cover for buildings of £500,000 and contents of £60,000 at very competitive premiums. There is a low standard excess of just £50, and interest-free instalment option and is available to all florists and floristry employees.

We would ask you to read Important Documents which tell you more about the terms and conditions for all the details of different types of cover.


Cobac House, 14-16 Charlotte Street,
Manchester M1 4FL

Sales and enquires Telephone:  0161 236 3141

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

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