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Why Would A Florist Need Insurance For Their Flower Shop?

Whether you’ve branched out into the corporate sector or have chosen to follow a more creative stream, the decision to invest in reliable business insurance is a vital step towards success.

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As a professional florist, the chances are high that your enterprise is based on a unique business model and, because of this, you have specialised business insurance needs that differ from other businesses.

You face a different set of risks such as the safety of customers who visit your shop, weather-related mishaps that might delay or damage important orders, damage to or theft of your business vehicles, and a number of other challenges that may put the durability of your business at risk.

With the knowledge and understanding that, as a florist, you have a unique set of business needs and challenges, it is important to pose the question of whether you have thought about insuring your business, if you haven’t already done so.

Related: How Netflorist Started as an Experiment

Whether it’s your first time investing in business insurance, or you’re updating your existing policy, here are some essential business insurance products to consider:

Public Liability Cover

This type of insurance cover helps to protect your enterprise in case of an accident. What if a customer trips on the way into your shop or happens to fall on the premises? What if one of your employees is injured by one of your cutting tools whilst making up an order? Public Liability Cover may help to protect your business in the event of an accident claim by both customers and employees.

MiWay’s Public Liability Product automatically includes Employers’ Liability which covers your business for injury of any employee from or during the course of employment. A small business with even one employee (other than the owner) should consider this critical coverage as it can prevent legal implications in the event of an incident.

Even if your business does not manufacture any products, the South African Consumer Protection Act (CPA) includes “services supplied” in the definition of a product. Therefore, it is highly recommended that service providers also purchase Product Liability along with their Public Liability Cover as this will ensure that you are covered for any services rendered that did not meet the expectations of the consumer.

Stock, Specialised and Electronic Equipment Cover

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Your refrigeration cases and floral containers, flowers, ornamental vases and business computers are just a few examples of the type of equipment that can be expensive to repair or replace if they’re damaged or stolen.

This type of contents cover may help you to recover the cost in case of a loss, such as theft or a fire.

It is important to take note of the fact that, if you do invest in this type of contents cover, the causes of loss/damage/theft will be noted on your coversheet.

Related: Florist Sample Business Plan

Business Vehicle Cover

As a florist, your delivery van is vital to the success of your business, as the chances are high that you will not be able to deliver or retrieve customer and market orders, which is why it is important to make sure that it’s protected! Business vehicle insurance covers the vehicles that you use for business purposes in case of accidents, hijackings, vandalism, or other unavoidable mishaps.

Goods in Transit Cover

In the event of an incident, Goods in Transit Cover may help you recover the loss of floral arrangements when they are being delivered to a customer, as well as fresh flowers that are being transported to your shop. You are able to either link your Goods in Transit Cover to a vehicle on the same MiWay Business Insurance policy to enjoy a lower premium or to have it on a stand-alone basis, depending on your needs.

Related: How To Become A Florist

Of course, no two florists – or flower shops – are exactly alike which is why MiWay allows entrepreneurs to customise insurance cover to best suit the needs of a particular small business!

MiWay Insurance was the first South African-based direct insurance company to offer the purchase and administration of short-term insurance policies online. MiWay was launched in 2008 as an initiative between Santam, Sanlam and PSG.

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Call For Applications: Young Entrepreneurs Global Exposure Trips

Closing Date: 30 November 2018

Investec Specialist Bank and Asset Management

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Investec CSI’s Young Entrepreneurs Programme provides South African entrepreneurs from various sectors with global exposure.

Every year Investec, in partnership with En-novate, sends a group of young entrepreneurs from various sectors to specifically selected countries in order to gain global exposure. Each itinerary provides them with opportunities to network and engage with venture capitalists, funders and captains of their specific industry. The aim is for them to gain learning and exposure to innovation, technology and process advancements. The programme also offers networking with subject and sector experts.

Applications for the Global Exposure trips are now open to ALL entrepreneurs – regardless of sector – who meet the criteria. Closing date is Friday 30 November 2018.

Applications link:

https://www.investec.com/en_za/welcome-to-investec/corporate-responsibility/our-community/Entrepreneurship.html

The programme itinerary and each trip is customised according to the profiles of the candidates, stage of business and specific sector.

By way of example, Investec recently sent 14 entrepreneurs from South Africa to Berlin to meet people doing Out of the Ordinary things in textiles: https://www.investec.com/en_za/focus/young-entrepreneurs/sa-entrepreneurs-return-inspired.html

Related: En-novate Goes Toe-To-Toe With The Best In The World

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Buy Or Invest In The Next Futuredev Properties Sandton Development

Looking to buy or invest in the next up and coming Sandton residential development? Futerdev Properties are currently developing Full-Title Free standing units, perfectly located just a few km’s away from the hustle and bustle of Sandton’s Central Business District.

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Nearly half of all the office development taking place in South Africa right now is happening in Sandton. Sandton Central is the epicentre of this development, which includes many of the most cutting-edge, exciting and innovative new buildings on the continent.

Sandton Central is well established as Africa’s financial and business capital and continues to grow with developments that embody its vibrant, high-energy ‘live, work, play’ environment. It also currently holds the title of Africa’s Riches Square Mile.

With more people looking to be part of this live, work, play environment and the number of foreigners travelling to Johannesburg for business and work, the demand for residential property around Sandton Central has grown exponentially.

Live, Work And Play: Your Home Away From Home

Futuredev Properties specialises in developing Full-Title Residential Homes in the Sandton Area – Morningside and Bryanston to be specific. The most recent surveys have listed Bryanston as one of the better performing suburbs in terms of Capital Growth.

Our properties offer family living and a home-away-from-home feeling for those working in and around Sandton on longer or shorter assignments.

FutureDev Properties was founded by Akbar Hassim. We have established ourselves not only as an independent, but also a Turnkey Developer – being able to buy Land, Finance the Real Estate Deals, Create, Control and Orchestrate the process of the Development from beginning to end.+

“Our approach to Property Development and Investment therein involves thorough financial and delivery risk analysis, thereafter followed by focused and efficient delivery.”

This approach is underpinned by many years of experience, and an impeccable entrepreneurial spirit.

Buy And Invest In The Latest Residential Developments

We have a number of Residential Developments currently underway, each at various stages. These Full-Title Free standing units, afford residents space and comfort within the security of cluster/ estate living. Perfectly located just a few km’s away from the hustle and bustle of Sandton’s Central Business District, and within close proximity to all major Malls & Shopping Centres, Schools, Hospitals, Gyms and places of worship.

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We afford buyers and investors an opportunity to buy or invest in Prim Residential Real Estate, that provide the perfect balance of Excellent Capital Growth and Steady Income Yields.

Our Offering For Investors & Buyers

  • Full-Title Free-Hold Residential Cluster Developments
  • Prime locations, close to all essential amenities
  • Perfect balance of high Capital Appreciation and Steady Income Yields
  • Investor buyers can purchase with Rental Guarantees

*Limited number of investor units available

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Smoothie Franchise Opportunity: Puré Frooty Is A One-Of-A-Kind Smoothie Franchise Business

Looking for the next greatest franchise opportunity? Puré Frooty Smoothie is a highly perfected Australian business model launching in the South African market that doesn’t require extensive shop fitting or a large workforce.

Pure Frooty Smoothie

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Vital Stats

Puré Frooty Smoothie is a unique business model to the South African market. A delicious, fruit filled smoothie will be created at the touch of a few buttons.

An Innovative Franchising Concept

This innovation in the healthy smoothie industry is ground breaking for South Africa. The machine is manufactured in Australia by a highly skilled team. It took six years to perfect this business model for the consumer market.

The vision of Puré Frooty Smoothie is to offer convenient on-the-go smoothies for anyone. The experience and quality will always be of the highest standard. We aim to be a staple convenience in malls, schools, office parks and hospitals. This is a platform that will allow for self-growth for passionate entrepreneurs.

Our mission is to create a unique customer experience. We want to satisfy the nutritional needs of customers by providing quality smoothies. Puré Frooty Smoothie will be packed with all the goodness a smoothie should offer.

Related: Why Your Franchise Should Adopt A Shared Value Business Model

The four values we pride ourselves in are:

  1. Convenience
  2. Consistency
  3. Quality
  4. Customer Satisfaction.

Why Consider This Franchising Opportunity

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Extensive research into the business model and market

Puré Frooty Smoothie was an idea, researched widely, by people looking to simplify the business process for the consumer and business owner. There was a gap in the market for simplified customer service and a demand for a quicker turnaround time.

Simplified process for setting up a business

For an entrepreneur it can be very overwhelming to start or buy a new or existing business. There are so many crucial decisions that need to be made from the beginning and new concepts to adapt to.

Puré Frooty Smoothie simplifies that drastically:

  • Free-standing machines: The business model revolves around a free-standing vending machine which needs to be visited to refill and maintenance.
  • No shop-fitting required: There is no need for shop fittings or a large work force. All that is required is an inside space for the machine with a power supply.
  • Minimal human resources needed: In terms of a work force, you could either do it yourself or have one person to assist you. There is also a part time involvement where refill station teams can refill and maintain the machine.
  • Cashless business: The business is completely cashless so there are no worries of a note jam, full cash canister or insufficient denomination rand values. More importantly the machines would do a higher turnover than an ordinary vending machine so safety of no cash is important.
  • Easy tracking of stock and performance: A cloud-based system is linked to the point of sale which allows you to monitor your performance and stock from the back-office platform at any given time.
  • Efficient handling of maintenance: With a live point of sale system, the business is linked to a software which monitors the operations of the machine. Should anything malfunction an immediate notification will be sent with a diagnostics report.
  • Human error is eliminated: Everything is done with a computer which leaves little to no room for errors. It is self-order and very user friendly.

Related: SA Fast Food Franchising On The Rise

Why Will Customers Love It

Puré Frooty Smoothie offers a vending machine that can produce a delicious smoothie in forty seconds. An informative touch screen ordering panel which displays all the nutritional information of the smoothie ordered and has the current news and weather.

No time wasted for the consumer. In fact, it’s a learning session disguised as a waiting period. The machine has two wash cycles after every smoothie is made to be freshly prepared for the next smoothie, business hygiene is important.

Consumers live in the fast lane. We are looking for something quick and most times we would like to be healthier. With the hustle and bustle of today’s life every little bit helps. Puré Frooty Smoothie fills that gap in the market.

Interested in Becoming A Franchisee?

Visit our Franchise Info Page for everything you need to know about how to become information a Puré Frooty Smoothie Franchisee owner.

You can also call or write to us:

Phone / 012-942 6360
Email / info@purefrooty.co.za 

Want to know more about this franchise? Watch the video below for more.

 

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