Clean It Up
UK General Cleaning Forum => General Cleaning Forum => Topic started by: domestic.diva on August 31, 2004, 04:47:04 pm
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I think I have dropped a clanger, just bought public liability insurance via a broker with Groupama and have just discovered that I have an excess of £250 and not included is cover if I break a clients ornament! Paid £83.00, is there better out there? Am I too late to cancel?
Cheers
Bev aka DD :)
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If you are unsure about your policy, call your broker and it can usually be adjusted without you having to cancel it completely.
It is quite common to request a lower excess than is standard, but pay a higher premium instead.
not included is cover if I break a clients ornament
This may be harder to change, but again I would speak to your broker.
-Philip
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Looks like all cleaners liability insurance has changed to £250 excess and not covering items being worked on, i.e. being cleaned!
Anyone know any different?
Cheers
Bev
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One thing that got me this year was the 'extras' that Groupama charge when their contract finishes. I claimed that we'd do a certain amount of t/o etc etc. When it came to renewal, I was sent a new form to put on what was actually done and project for this year. My payroll was actually bang on forecast. However, my t/o was higher and I now have an additional invoice for £800 to pay.
The quote was a 200% rise and I've never had a claim.
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i think this is a standard commercial insurance matter, at the beginning you forecast certain elements, ie turnover, payroll etc, and then you fill in a year declaration.
this is the same for most business insurances in all types of business.
regards
martin