iomst-logo.png                                                         Richardsons

Whether you arrange flowers at your shop, parties, markets, events, or deliver, IOMST can arrange the cover for you.


IOMST in conjunction with Insurers, AIG and Brokers, Richardson Insurance Solutions are delighted to announce that it is now in a position to provide market leading coverage for all different types of flower sellers.


IOMST is a membership organisation established to provide help & support and give information to our members while also assist with competitive liability insurance. IOMST are market leaders in providing competitive liability insurance for many different types of our members needs. Having been around since 1994, we not only provide the most comprehensive insurance products in the market but also provide advice, support and assistance to help our members businesses develop and grow.


Some of the insurance products we can arrange include:

  • Public Liability.
  • Products Liability.
  • Employers Liability.
  • Trade Contents (Stock).
  • Liability for Flower arranging classes.


To obtain a quote simply complete the application form below or phone us on 01 8360945.


* Required

Personal Details


(fill this box in only, if you have a LTD Company)





Photo ID

In order to get your membership/insurance card you need to attach a photo of (yourself) the insured member, the image should be similar to the sample image above.(Please note: If the photo size is to big the form will not send. Please resize or attach in a separate e-mail)

Trading Details


If yes, please give the name and address of the insurer and the renewal date of the policy.

Other Please Advise

Please provide trading address

Public Liability

Employers Liability (not included in cost of Public Liability)

If yes, state number of employees/helpers (cover is recommended)

Products Liability - automatically applies to food and drink products only

Products Liability is available for other products. Please provide full details so this can be considered.

If yes, please provide details.

If yes, please provide details.

If yes, please provide details.

Name of Incidents Paid/Oustanding
Employers Liability
Public or Products Liability
  • Our limit of indemnity for Employers Liability is € 13,000,000.
  • Our limit of indemnity for Public or Products Liability is € 13,000,000.
  • Products Liability €13,000,000 automatically applies to food and drink. Other products can be included where agreed by insurers.

I/we declare that the statements and particulars given in this proposal are, to the best of my/our knowledge and belief, true and complete and that this proposal will form the basis of my/our membership of IOMST.*Please Agree to Proceed

I/we confirm that I/we am/are giving my/our permission for the information we provided in this form to be used for the purposes set out in the Data Protection section

Please note that the details you are being asked to supply may be used to provide you with information about other products and services from third parties. The fact that you choose not to receive such information will not affect any aspect of the facilities that are provided to you now or in the future.