Clean It Up

UK Floor Cleaning Forum => Carpet Cleaning Forum => Topic started by: terry barnes on March 08, 2013, 07:04:03 pm

Title: Employers Liability insurance
Post by: terry barnes on March 08, 2013, 07:04:03 pm: Did you know that if you employ family members in a family business [not a limited company] that you are exempt from this insurance. Just saved myself
£150. [Thanks to Mark at Gleaming Insurance] My previouse insurance co AXA didnt know of this exemption. Feel cheated.
Terry
Title: Re: Employers Liability insurance
Post by: John Kelly on March 08, 2013, 08:02:48 pm: You are correct however there are risks involved by not taking it out. It is not that rare for family members to sue other members of the family when an accident has occured. Not having insurance in place could land you with large legal fees and damages. Also think if say your son or daughter was injured and maybe not able to work again or requiring long term care and it was a negligent cause. There would be no redress. Do think the risk is worth it for £3 a week?
Title: Re: Employers Liability insurance
Post by: Ian Rochester on March 09, 2013, 09:57:59 am: It may well be a loophole to avoid insurance costs but I'm with JK on this, would rather have it in place and sleep easy

Ours costs £1100 for EL, PL, Treatment Risk, Key Loss and Tools Cover
Title: Re: Employers Liability insurance
Post by: shine services on March 10, 2013, 10:11:21 am: I was unaware of this and have been employing my brother for 2 years now! Think I'll keep it running all the same tho.
Title: Re: Employers Liability insurance
Post by: Andrew Briscoe on March 10, 2013, 11:39:12 am: Quote from: Ian Rochester on March 09, 2013, 09:57:59 am
It may well be a loophole to avoid insurance costs but I'm with JK on this, would rather have it in place and sleep easy

Ours costs £1100 for EL, PL, Treatment Risk, Key Loss and Tools Cover

Who are you with Ian, thats a couple of hundred cheaper than mine and have similar business and amount of staff.

Andrew
Title: Re: Employers Liability insurance
Post by: Griffus on March 10, 2013, 03:22:31 pm: Quote from: Andrew Briscoe on March 10, 2013, 11:39:12 am
Quote from: Ian Rochester on March 09, 2013, 09:57:59 am
It may well be a loophole to avoid insurance costs but I'm with JK on this, would rather have it in place and sleep easy

Ours costs £1100 for EL, PL, Treatment Risk, Key Loss and Tools Cover

Who are you with Ian, thats a couple of hundred cheaper than mine and have similar business and amount of staff.

Andrew

Ours was only £791 in April. All as above apart from Key Loss. Tools to £20000. Will check who it's with when I get chance.
Title: Re: Employers Liability insurance
Post by: Len Gribble on March 10, 2013, 05:41:45 pm: Isn’t this type of insurance (EL) based on turn over regardless of how many you employ
Title: Re: Employers Liability insurance
Post by: Ian Rochester on March 11, 2013, 05:36:09 pm: Andrew

We go through Allied insurance, it's a Hiscox policy, maybe you're just making more money than me :'(
Title: Re: Employers Liability insurance
Post by: Andrew Briscoe on March 11, 2013, 07:59:07 pm: Quote from: Ian Rochester on March 11, 2013, 05:36:09 pm
Andrew

We go through Allied insurance, it's a Hiscox policy, maybe you're just making more money than me :'(

I wish, I am just a poor northerner like yourself. ;)
I have always bought insurance locally, maybe time to shop around.

Andrew
Title: Re: Employers Liability insurance
Post by: Andrew Briscoe on March 11, 2013, 10:14:07 pm: Just got an online quote from Allied for £936 saving me 500,
might take a holiday this year 8)
Title: Re: Employers Liability insurance
Post by: Mark Farrimond on March 12, 2013, 09:20:24 am: Andrew

Give me a ring on 0845 474 0068 or 01257 794717 and we will ensure we save you some more money.

Mark
Title: Re: Employers Liability insurance
Post by: clive ware on March 13, 2013, 03:41:14 pm: All very well being cheap but how does one stand if a carpet is damaged whilst trying to remove stains from it?
ie the carpet is bleached from a product which is being used to try and remove stains.