Garden Centre Specific Insurance and Pension Service from FF Premier

FF Premier, a service dedicated to garden centre retail has been providing specialist insurance solutions and pension advice since 2011.

In partnership with First Franchise Ltd and Promotional Space Ltd, FF Premier offers garden centre owners and concession retailers alike, bespoke insurance policies.

FF Premier also provides advice to employers on the recent Pension Reform announced by the government.

Working with one of the UK?s leading business insurance providers, Lucas Fettes and Partners, FF Premier uses their experience to identify the insurance requirements for garden centre owners.? Rather than offering an ?off the shelf? policy, FF Premier discusses the individual requirements of each garden centre with the owner to create an individual, tailored solution.

The garden centre business insurance policy includes buildings insurance, contents insurance, business interruption insurance, business liability insurance, employers insurance, computer breakdown insurance and legal expenses.

As a result of the understanding FF Premier has developed within garden centre retail, they have been able to identify a need from concession owners, trading within garden centres to have access to a policy that suits this unique retail environment.

As part of the agreement covering a concessions occupation, the operator is required to have in place, adequate insurance cover to protect them and the garden centre’s customer.

As a result, the unique policies available from FF Premier, covers all aspects of trading within garden centres including long or short term tenants, instore shops or external display areas.

Since FF Premier?s launch they have had many discussions with garden centre owners who need help in managing the changes that the Pension Reform will have on their business.? Every business will be affected by the new requirements and FF Premier has been working with garden centres to provide consultations on what it means for them.

They are still finding that some business owners do not know how the reforms will impact their business or what the cost will be.? As a result, FF Premier are increasingly eager to talk to business owners to make sure they are ready.

Businesses of every size will be required to enrol ?eligible jobholders? into a qualifying workplace pension scheme and make contributions to it.? An eligible jobholder is defined as a worker between 22 and state pension age earning more than the personal income tax allowance threshold (currently ?8,105), part time and full time.

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