Clean It Up

UK Floor Cleaning Forum => Carpet Cleaning Forum => Topic started by: Ian Gourlay on May 25, 2006, 07:56:56 am

Title: Insurance
Post by: Ian Gourlay on May 25, 2006, 07:56:56 am

Having read on here of insurance policies for £89 I thought I would start to investigate.

Although I am awaiting an Official call from HSBC they only work by telephone appointments.

I did ask if their Public Liability Insurance covered me ifor any damage or treatment  problems-while working on Someones  furnishings I would be covered I was told it would.

I then did an internet qoute with a All Trades insurance company.
Just public Liability mentioned, again a very low premium. no mention of treatment risks.


On my present policy I am paying for Public Liability and Treatment risks and osts 3 times as much.

Have I got the wrong cover.  ?


Last Yeara highley skilled and respected cleaner had a problem with a suite.


Would Public Liability damage to property cover that situation.?

Title: Re: Insurance
Post by: craigp on May 25, 2006, 05:33:14 pm

no 'public liability' will not cover items worked on,

its for injury to the public, things like if a custy tripped over your hoses and broke a leg.

i dont know why, but as you say some companies want £500 and more for 'public liability' and 'treatment risk'

i dont know why, its like car insurance can vary greatly in price too ???

go with HSBC there cheapest. ;D

Title: Re: Insurance
Post by: the red carpet on May 25, 2006, 05:47:09 pm

p/l and treatment £94 a year with hsbc, £500 excess

Title: Re: Insurance
Post by: clean-east carpets on May 25, 2006, 07:25:21 pm

We are currently with McGregor lloyd £510 renewal received this week, I phoned HSBC as often mentioned on here and was told the same as Ian that they will phone me next wednesday ???, they are very busy according to rep.
Hopefully they will give a nice price, I don't want to pay the earth, but  I do like to have my insurance in the portfolio to show my customers
 

Title: Re: Insurance
Post by: Jason Hedges on May 25, 2006, 10:32:44 pm

I'm also with Mcgreggor Lloyd and paying nearly £500 a year for public liability, treatment risk and equipment insurance.

After reading another post on here contacted HSBC by email. They contacted me Yesterday by phone and went through 5 minutes of general questions, time trading, predicted turnover, any claims etc. I asked if they needed any proof of training etc. and they said no. At the end of it they upped my cover and reduced the premium to £249 which can also be paid interest free by monthly direct debit.

I received the paperwork today and all looks good. Very efficient service!

I'm switching to them from 1st June.

Must just add though that I've contacted McGreggor Lloyd on a couple of occasions over the last couple of years and the service has always been first class. Shame they're twice the price for less cover!!

Kind regards,
Jason.