Clean It Up

UK Floor Cleaning Forum => Carpet Cleaning Forum => Topic started by: Steve_B on February 07, 2004, 11:35:09 am

Title: Treatment risk
Post by: Steve_B on February 07, 2004, 11:35:09 am: 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 :)
Title: Re: Treatment risk
Post by: Derek on February 07, 2004, 02:04:20 pm: Hi Steve

As 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
Title: Re: Treatment risk
Post by: Happyeater on February 07, 2004, 02:37:42 pm: 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. :)
Title: Re: Treatment risk
Post by: Ian Gourlay on February 07, 2004, 04:14:26 pm: 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,
Title: Re: Treatment risk
Post by: Steve_B on February 08, 2004, 07:44:16 pm: Thanks guys. suppose it would be more expensive in your first year :'(
Title: Re: Treatment risk
Post by: ALEXDH on February 08, 2004, 10:03:34 pm: 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.
Title: Re: Treatment risk
Post by: HolmansUKLTD on February 08, 2004, 10:09:00 pm: 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 :) :D 8) ??? :-[
Title: Re: Treatment risk
Post by: ALEXDH on February 08, 2004, 10:15:11 pm: Hee Hee ;DI 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
Title: Re: Treatment risk
Post by: Happyeater on February 09, 2004, 06:29:38 pm: 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.
Title: Re: Treatment risk
Post by: Derek on February 09, 2004, 07:33:29 pm: Hi Happy

WOW... 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
Title: Re: Treatment risk
Post by: Happyeater on February 09, 2004, 08:56:12 pm: 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. :)
Title: Re: Treatment risk
Post by: Steve_B on February 10, 2004, 06:24:57 pm: 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 :)
Title: Re: Treatment risk
Post by: ALEXDH on February 10, 2004, 08:19:10 pm: Hi Steve

Are 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.
Title: Re: Treatment risk
Post by: Derek on February 10, 2004, 09:03:32 pm: Hi Alex

If 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 :D :D

Cheers
Derek
Title: Re: Treatment risk
Post by: Steve_B on February 10, 2004, 09:06:30 pm: 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!!!!
Title: Re: Treatment risk
Post by: dave washbrook on April 01, 2004, 02:03:43 am: hi
i'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
Title: Re: Treatment risk
Post by: Dave_Lee on April 01, 2004, 02:33:36 am: 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.