Clean It Up

UK Floor Cleaning Forum => Carpet Cleaning Forum => Topic started by: Matt Steele on June 05, 2014, 05:08:24 pm

Title: Public Liability
Post by: Matt Steele on June 05, 2014, 05:08:24 pm

Mornin all, what are you paying for your public liability insurance and what does it cover you for ?
I'm with NFU have been for years, never claimed yet my premiums keep going up, I just quized them about this and got 12% discount, taking it down to £ 380 PA, still seems a bit steep to me
this covers me for £1M public liability inc any damage to customers property, £2k tools in van and £10k for malicious wounding !!!!!

Title: Re: Public Liability
Post by: Mike Gwilliam on June 05, 2014, 05:35:26 pm

Malicious wounding sort of tells you it's not the sort of insurance you should be having.

I put a claim in with the NFU many years ago. They said they were not going to pay out. The assessor who was independent said they should pay out and basically they were taking the pi**. I wrote a letter to the NFU saying they had mis sold me the policy and that I would be taking it further. They then paid out.

If you look on here you will find a good insurance company for much less

Title: Re: Public Liability
Post by: stuart_clark on June 05, 2014, 05:55:20 pm

I was with nfu for about five years, they certainlyndont live up to there advert about them not quibbling when you make a claim, that was three years ago, I am now with hiscox and the premium is about £250 and thats 4k of tools and a liability of 2000000

Title: Re: Public Liability
Post by: jim mca on June 05, 2014, 06:10:12 pm

Gleaming for me £ 24 a month with 6K tools

Title: Re: Public Liability
Post by: JandS on June 05, 2014, 06:17:13 pm

Is that tools in van 24/7??

Title: Re: Public Liability
Post by: mark shannon on June 05, 2014, 06:17:48 pm

Yes give Gleaming a try.

Title: Re: Public Liability
Post by: gwrightson on June 05, 2014, 06:41:03 pm

NFU   for me every year,


for both P/L  and treatment risk, always helpful , although never having to make a claim (yet, touch wood ) I hear nothing but good things re. no quibble and paying out .

Cant tell you exactly how much my premium is off top of my head m but I,m sure both don't amount to as much as what your quoted.

geoff

Title: Re: Public Liability
Post by: JandS on June 05, 2014, 07:02:37 pm

First one I've heard of who do tools in van 24/7...all my quotes have been for tools in van between 06.00 - 22.00.

Title: Re: Public Liability
Post by: elliott cleaning on June 05, 2014, 07:06:48 pm

Public Liability is one thing which is essential  and in this day and age you should cover for 5 million.
Cost of this insurance is relatively cheap.

Treatment risk - tools in van etc are a totally separate issue

Title: Re: Public Liability
Post by: mr muzzy on June 05, 2014, 07:46:38 pm

Quote from: mark shannon on June 05, 2014, 06:17:48 pm

Yes give Gleaming a try.

just had an online quote after reading this mark, they seem very good will be ringing them next week

Title: Re: Public Liability
Post by: jim mca on June 05, 2014, 09:36:10 pm

Tools in the van 24/7 provided they cant be seen from outside so you need a bulkhead fitted

Title: Re: Public Liability
Post by: Darran Pryce on June 05, 2014, 09:58:12 pm

I'm with Swinton.. Costs me £183 per year for items worked on and treatment cover.  £5 million P/L as I need it for the schools with the window cleaning side.

Not insured my tools as I've got that covered with my house insurance/shed.

Title: Re: Public Liability
Post by: JandS on June 06, 2014, 09:07:39 am

Mine as a bulkhead so that's fine.

Title: Re: Public Liability
Post by: Steve Fortt on June 08, 2014, 12:42:51 am

Simply Business have been very for me.

Annual premium £170.00.
2 Million P/L
3K for tools on van, anytime,anyplace,anywhere. Theft or accident, so long as van is properly secured. (Over 3k then for theft, a thatchems approved alarm needs to be fitted.)
Includes items worked on and treatment risk.
Definately worth getting a quote.

Steve