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UK Floor Cleaning Forum => Carpet Cleaning Forum => Topic started by: jimmy on August 31, 2003, 05:53:44 pm

Title: Public liability / Damage Insurance
Post by: jimmy on August 31, 2003, 05:53:44 pm

I wonder if anyone can help me. I have just discovered this site. I have currently bought the extractor excel machine and have done carpet and upholstery cleaning course. The only problem is I am having trouble getting insurance. I have been in touch with companies and brokers who say that they will only supply public liability and will not insure for damages to carpets. Is this normal? My only other solution is to supply a disclaimer to the customer, does anyone do this. Your help would be appreciated! :)

Title: Re: Insurance
Post by: Derek on August 31, 2003, 06:55:16 pm

Try...

McGregor Lloyd Ltd.

Tel: 0121 706 0616

32, Richmond Road, Olton, Solihull, West Midlands. B92 7RP

Regards
Derek  

Title: Re: Insurance
Post by: jimmy on August 31, 2003, 07:00:54 pm

Thank you very much Derek. Thats much appreciated.

Title: Re: Insurance
Post by: Mike Halliday on August 31, 2003, 07:27:09 pm

thats who I'm with, cost me £210 a year for liablility and £10,000 ( I think) of items worked on insurance.

they will also insure you equipment against getting nicked

Mike

Title: Re: Insurance
Post by: jimmy on August 31, 2003, 08:07:43 pm

Thanks Mike.

That is cheaper than I thought it would be. I will give them a ring. Unfortunately there is not a lot in Blyth, Northumberland.

Title: Re: Public liability / Damage Insurance
Post by: eco freindly. peoples champion ron .sherlock on May 01, 2005, 02:14:11 am

national farmers union the cheapest public liabillity :-*

Title: Re: Public liability / Damage Insurance
Post by: ian richards on May 01, 2005, 09:53:15 am

Jimmy

McGreggor Lloyd will only insure you if you have an NCCA ( NATIONAL CARPET CLEARNERS ASSOCIATION) certificate, and to do that you have to do the course in Leicester. They are run quite frequently and will give your business more credibilty anyway, so its definatly worth doing ;)

Ian

Title: Re: Public liability / Damage Insurance
Post by: Dennis on May 01, 2005, 10:00:48 am

Quote from: Ian Richards on May 01, 2005, 09:53:15 am

Jimmy

McGreggor Lloyd will only insure you if you have an NCCA ( NATIONAL CARPET CLEARNERS ASSOCIATION) certificate, and to do that you have to do the course in leicester. They are run quite frequently and will give your business more credibilty anyway, so its definatly worth doing ;)

Ian

Rubbish, I'm with McGregor LLoyd and I've not done an NCCA course.

Later edit: (Unless you mean for new starters to the industry)

Title: Re: Public liability / Damage Insurance
Post by: dave401uk on May 01, 2005, 10:14:09 am

HSBC, is  very good , i paid around £260 for puplic liability and goods worked on,and they cover your machines as well



Dave

Title: Re: Public liability / Damage Insurance
Post by: ABLECLEAN on May 01, 2005, 11:56:58 am

I have heard that NFU are very good as well Sherlock.

Title: Re: Public liability / Damage Insurance
Post by: Barry Pearce on May 01, 2005, 04:26:55 pm

HI JImmy.
If you do work for any of the utilies then you MAY have to have Public Liability up to £6 million, you MAY also have to have Products Liability and provide a duplicate of your insurance certificate. Dont be wise after the event, put a scenario to your insurance company ie. if I am taken ill away from home how long is my equipment insured for inside the locked van? But that is just your equipment, you might have something on hire? Say you were taking a customers rug home to clean, you might have to have a "goods in transit policy" and if you took it home and it got pinched you might  you might require a "goods in trust policy" .
Barry

Title: Re: Public liability / Damage Insurance
Post by: ian richards on May 01, 2005, 10:43:34 pm

Dennis

Don't take my word for it...........Phone McGreggor Lloyd!!!

Ian