Protection against the unexpected
Personal
Illness, job loss or the death of a wage earner can plunge families into real financial hardship. Taking a little time to assess your risks and work out how much money you’d need to cover debts and provide your family with a future income could be the most sensible thing you do today. With critical illness cover, life assurance, and income and redundancy cover, we can help you build a complete programme of protection to meet your needs – and we can design it to be adaptable, to cater for future changes in your circumstances.
Home
Some people allow their mortgage lender to suggest an insurance provider but this could mean higher premiums than necessary. With many other providers offering good quality, low cost insurance, we can guide you towards alternative and more cost-effective cover - for example:
Buildings cover - This type of policy covers the fabric of your home and broadly includes anything which can’t be easily taken with you if you move home. You can include or exclude accidental damage.
Contents cover - This covers your personal belongings, furniture and all items contained within your home, including personal possessions such as jewellery, cameras and cash.
Business
Losing a key employee through death or critical illness is a real risk that affects businesses and profitability. At flower, we can help you manage this risk for your company. Our advisers can identify the most suitable insurance policy for your circumstances to cover the loss of key employees and minimise the impact on your business.