Posted by Drytech (Steve_B), 7 February 2004
Can anyone recomend an insurance company for a treament risk policy for someone just starting up. Been quoted £367.50 from Ainley's in Huddersfield as Recomened by Ashby's( is that a good quote?) Also tried NFU but was declined because i don't have at least Three years experience. Is this the only type of insurance needed ?Thanks
Steve
P.S Any other advise is also welcome
P.P.S Great forum, by the way
Posted by Derek (Derek Bolton), 7 February 2004
Hi SteveAs we are in a pretty high risk business the Insurance Companies are getting a bit jittery.
Some are refusing carpet cleaners others are not accepting any new business...those that are left are imposing restrictions...
ie.. you must have been on recognised training courses etc.
You must do pre-clean inspections and if there is a claim they will want copies of the inspection report, technical data sheets of chemicals used and so on.
Try McGregor Lloyd Ltd on Tel: 0121 7060616
Regards
Derek
Posted by Happyeater (Happyeater), 7 February 2004
I called McGregor Lloyd yesterday. Unfortunately you have to take a combined public liability as well as treatment risk. I was quoted for £1m public liability and £15k treatment risk, quoted £ 430.50. Seemed steep to me. I already have £5m public liability anyway so, I have asked my current insurer to get me a quote.Posted by Ian_G. (Ian_Gourlay), 7 February 2004
Steve that is worrying as I am with Ainsleys renewed late last year thought it was about £250, not sure as pay by direct debit and it just carried on,Posted by Drytech (Steve_B), 8 February 2004
Thanks guys. suppose it would be more expensive in your first year
Posted by ALEXDH (ALEXDH), 8 February 2004
I dont think you have to have 15k cover it think you can start at 5k if budget is tight at mcgregor lloyd for about £270.Best to give them a ring they were really helpfull to me and advise the courses they will accept.
Posted by pre-vac_Nick (pre-vac_Nick), 8 February 2004
Alex if you keep posting at the rate you are your gonna knock up 500 posts in no time!!keep it up its nice to see some enthusiasm..........have i spelt that right
Posted by ALEXDH (ALEXDH), 8 February 2004
Hee Hee
I think i will soon be the most inpet cleanitup god , the moderator had better drop my score otherwise people will falsely believe i know what i am talking about.All the best
Alex
Posted by Happyeater (Happyeater), 9 February 2004
Just got treatment risk added to my current policy for £150 a year.I still have to pay a £500 excess if there's a claim though.
Posted by Derek (Derek Bolton), 9 February 2004
Hi HappyWOW... that is surprising!
My excess is £250.00... I reckon the insurance companies are going to bang up the premiums pretty high this year....again.
There are so few Insurance Companies providing the type of cover we need that they can almost charge what they like... the problem is that some cleaning companies will decide to go without
Cheers
Derek
Posted by Happyeater (Happyeater), 9 February 2004
Very tempting to do just that, Derek. At £500 its a gamble on whether I can do that much damage to tiles. As we do totally commercial, I haven't come across a fully laid carpet in 6 years.Posted by Drytech (Steve_B), 10 February 2004
Sorted McGregor Lloyd, 1 million p/l cover with 5k treament risk £210.00. Can't complain with that.cheers for the tip.
All I need now is me first customer
Posted by ALEXDH (ALEXDH), 10 February 2004
Hi SteveAre you offering low cost cleaning to your friends and family , Its a great way to get some experience and I find i cant resist burn testing every carpet I come into contact with , much to my missus distain when we out for a meal the other night.
I have a pair of small nail clipper that are great for nicking a little tuft.
Posted by Derek (Derek Bolton), 10 February 2004
Hi AlexIf you REALLY want to upset the wife
....when you are shopping and she wants to look at furniture...do a wet rub test on the fabrics (Zip end only...honest) say, in a loud voice, that the colour is coming off.Guarantee the little lady will disown you...immediately
Divorce... could be as early as next week.
My little lady is made of the tough stuff and she's still around... still walks away in the shop though... but it guarantees a bit of peace and quiet for a few minutes
Cheers
Derek
Posted by Drytech (Steve_B), 10 February 2004
What ever trade you're in, friends and family always expect " mate's rates ". Trouble is that they're all to tight and expect it for nothing.Got a nice pair of hedge trimmers to do my burn tests with!!!!
Posted by cleaner_carpets (cleaner_carpets), 31 March 2004
hii'm just starting a new carpet cleaning business and i have just been quoted £137.00 for 2million public liability and a treatment risk policy included it was from the hsbc bank.
hope this is of help
dave of CLEANER CARPETS
Posted by Dave_Lee (Dave_Lee), 31 March 2004
Steve,You didnt say whether youve also got public liability cover as this is absolutely essential. A claim against you for personal injury could cost you far more than any claim for property worked on. Of course its both that you need.
Dave.
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