Clean It Up

UK Floor Cleaning Forum => Carpet Cleaning Forum => Topic started by: HolmansUKLTD on October 14, 2004, 01:42:08 pm

Title: Insurance renewal help!
Post by: HolmansUKLTD on October 14, 2004, 01:42:08 pm

Hello fellow clean it uppers

I have had my insurance renewal in and at a cost of £493.50 i was wondering if anyone could put me on to someone cheaper?

This cost covers all liabilitys inc public employers etc, also treatment risk up to £5000 per item and equipment loss up to £5000.

Any help will do

Thanks Nick

Title: Re: Insurance renewal help!
Post by: nick.solution on October 14, 2004, 01:56:31 pm

Hi Nick

Try the insurance group I only have local number here goes
01752 345 333

Best regards Nick

Title: Re: Insurance renewal help!
Post by: HolmansUKLTD on October 14, 2004, 01:58:26 pm

Thanks Nick

have you sent my sticker out yet?

Or that email you promised?

Used solugard today again. just watch the beads of water roll off.

Lady was well impressd!!

Nick

Title: Re: Insurance renewal help!
Post by: dave washbrook on October 15, 2004, 05:16:19 pm

nick
 HSBC £113.00 includes 2million p/l and 2million treatment risk does not include tools or employers liablity phone 01202 455545

hope this helps
dave

Title: Re: Insurance renewal help!
Post by: des on October 15, 2004, 05:22:12 pm

Call me stupid but what is treatment risk and can you explain what you belive is covered by public  liablity des

Title: Re: Insurance renewal help!
Post by: nick.solution on October 15, 2004, 05:41:50 pm

Des


If you are working on a suite and knock over some chemical and it damages the suite its an accident, the insurance will pay out , if you are working on a suite and damage it or knock over your chemical that can be bad workmanship. full treatment risk will cover this as well as accidental.

Hope this answers the question, most insurers will not discuss full treatment they just keep quite and take the premiums.

Best regards Nick

Title: Re: Insurance renewal help!
Post by: woodman on October 15, 2004, 05:59:08 pm

Dave

are you sure it's 2mil treatment risk cover this is highly unusual if it is.
Mine is due for renewal soon I'll be ringing HSBC I think. ;)

As for tools/machinery not many cover this when its on the vehicle which of course where they are always going to be ::)

Title: Re: Insurance renewal help!
Post by: Ken Wainwright on October 15, 2004, 07:32:26 pm

I too use HSBC and cover is for £2m treatment and public. Beware that the standard policy will only cover you for full time employees. Part time and occasional workers are an add on.

Remember, if you employ someone, even to do the pre-vac or fetch a bucket of water, no matter who and whether you pay them or not, even for 1 minute per year, then they are employees of some description. So you are legally obliged to have Employers Liability. BIG trouble if you don't.

Safe and happy insuring:)
Ken

Title: Re: Insurance renewal help!
Post by: dave washbrook on October 15, 2004, 10:04:51 pm

woodman
  yes it is 2mil treatment risk but as ken says it does not cover employers liabilty nor tool however i'm currently trying to cover my tm and acessoriesin my van anyone got good info

thanks
dave

Title: Re: Insurance renewal help!
Post by: des on October 16, 2004, 12:12:01 pm

Dave Co Op insurance not sure of the number but if you look back in the files you will find it or go to cleantalk   des

Title: Re: Insurance renewal help!
Post by: dave washbrook on October 16, 2004, 04:38:30 pm

des
thanks for that will look it up

thanks

dave