Clean It Up

UK Floor Cleaning Forum => Carpet Cleaning Forum => Topic started by: Aquakleen Restoration Services on January 14, 2008, 06:17:19 pm

Title: Insurance recommendations
Post by: Aquakleen Restoration Services on January 14, 2008, 06:17:19 pm: Hi all

Insurance renewal time so can anyone recommend a cheap firm to cover me for the usual public liability and equipment coverage?

Many thanks

John
Title: Re: Insurance recommendations
Post by: Daveyboy on January 14, 2008, 06:30:12 pm: Many have found HSBC to be competitive.
Title: Re: Insurance recommendations
Post by: stevegunn on January 14, 2008, 06:32:27 pm: http://www.carpet.cleaning-insurance.co.uk/

mcgregor lloyd
Title: Re: Insurance recommendations
Post by: martin19842 on January 14, 2008, 08:20:53 pm: hi there

we moved to zurich this year, great cover

regards

martin
Title: Re: Insurance recommendations
Post by: Joe H on January 14, 2008, 08:42:18 pm: I'm interested in this subject too.

but looking for Treatment Risk included.

anyone got it, who with, to what value and what cost?
Title: Re: Insurance recommendations
Post by: Ian Rochester on January 14, 2008, 10:48:08 pm: Allied do good deal on PL, EL and Treatment Risk, costs are dependant on number of employees, wage bill and turnover. Just brought mine down this year by over £400
Title: Re: Insurance recommendations
Post by: Aquakleen Restoration Services on January 15, 2008, 11:16:19 am: Cheers lads I went with HSBC, full public liability insurance for a year up to 1 million for £62.07 so I am happy paying that!

Incase anyone is interested..

https://www1.insurancebrokers.hsbc.com/1/2/popups/qb/td/tradesman-quote?BlitzToken=true

Thanks again for your help

John
Title: Re: Insurance recommendations
Post by: mark shannon on January 15, 2008, 11:42:20 am: John i would phone them and get treatments insurance as well to cover yourself for what your working on . HSBC do tailored carpet cleaners insurance 0120245 5555 you alls need legal cover.
Title: Re: Insurance recommendations
Post by: markpowell on January 15, 2008, 08:13:01 pm: I pay £104.00 a year with Hsbc and that covers treatment risk and £2M liability
Mark
Title: Re: Insurance recommendations
Post by: Len Gribble on January 16, 2008, 01:52:12 am: Markpowell

£104?????? You have the same as me but I included hard floors I got mine for around £85.00 and if wanted it monthly payment at no extra charge.

Len
Title: Re: Insurance recommendations
Post by: Tony Gill Carpet Smart on January 16, 2008, 06:10:47 am: Mark & Len does your policy include legal cover and or tool / equipment cover. Is treatment cover an add on i can't find it on the HSBC link above .

CHEERS TONY
Title: Re: Insurance recommendations
Post by: Len Gribble on January 16, 2008, 11:55:43 am: Tony

Treatment yes, can’t remember if LC will need to look a policy, tools/equipment no.

On line quotes are ok but I prefer to phone them.

Hope this helps

Len
Title: Re: Insurance recommendations
Post by: Tony Gill Carpet Smart on January 16, 2008, 12:01:42 pm: Cheers Len.
I will ring them
Title: Re: Insurance recommendations
Post by: Ian Rochester on January 16, 2008, 12:05:16 pm: This just shows the extra hiden costs of employing staff, mine is being renewed tomorrow and the best I have managed to get it for was £1403.00 !!!!

That's PL for £5M, EL for 10 employees and Treatment risk, it also didn't help that we are now a ltd company.
Title: Re: Insurance recommendations
Post by: Tony Gill Carpet Smart on January 16, 2008, 12:26:45 pm: Hi just been on with hsbc 2m public liability treatment cover for both the decorating and carpet cleaning £139.77 if only 1mpublic liability £95.67 and that includes intrest free instalment over 12 months if i want. GOOD EH!

CHEERS TONY
Title: Re: Insurance recommendations
Post by: Joe H on January 16, 2008, 12:37:22 pm: Quote from: Lionheart - Ian Rochester on January 16, 2008, 12:05:16 pm
This just shows the extra hiden costs of employing staff, mine is being renewed tomorrow and the best I have managed to get it for was £1403.00 !!!!

That's PL for £5M, EL for 10 employees and Treatment risk, it also didn't help that we are now a ltd company.

Thats about what I pay and I only have 5 employees, 2m P/L and no treatment risk!
Guess whos going to be doing some looking around?
Who you with Ian?
Title: Re: Insurance recommendations
Post by: Aquakleen Restoration Services on January 16, 2008, 04:47:03 pm: Hi all

I just rang up HSBC to add treatment risk to my 1m public liability and was told I was covered for damage as well. She read out what the policy covers and it covered pretty much anything that could go wrong whilst cleaning so for £62.07 that sounds like a fair deal to me.

I thought it was strange that the site did not say anything about treatment risk, seems it is included in the public liability cost!

John
Title: Re: Insurance recommendations
Post by: PaulKing on January 16, 2008, 06:48:36 pm: Quote from: Lionheart - Ian Rochester on January 16, 2008, 12:05:16 pm
This just shows the extra hiden costs of employing staff, mine is being renewed tomorrow and the best I have managed to get it for was £1403.00 !!!!

That's PL for £5M, EL for 10 employees and Treatment risk, it also didn't help that we are now a ltd company.

i know the feeling ! make sure you ring our friend in the midlands pound for pound thier cover is excellent and thye know what they are doing
Title: Re: Insurance recommendations
Post by: markpowell on January 16, 2008, 07:17:36 pm: Len,
I got legal cover, i think its an extra. not sure.
Mark
Title: Re: Insurance recommendations
Post by: Ian Rochester on January 17, 2008, 05:31:18 am: We went with Allied
Title: Re: Insurance recommendations
Post by: Joe H on January 24, 2008, 03:51:21 pm: I renewed my insuranc elast Sept for 7 in the business.
P/L plus Employee Liabil - cost £1206

Did not include Treatment Risk

Instructed my broker to get quote to include Treatment Risk
He comes back with another companies quote (because original doesbnt do Treatment risk)

New quote is £902 for P/L + E/L + treatment risk

Broker says insurance prices are now falling.
They have fallen enough for me to save £300 for better cover.
That saving will pay for my membership to NCCA.
Title: Re: Insurance recommendations
Post by: *paul_moss on January 24, 2008, 03:55:03 pm: Strange that mine went up a couple of quid, its not due till Feb so i shall have a little shop around,thanks for the heads up Joe.
Title: Re: Insurance recommendations
Post by: Paul_Ashworth on January 24, 2008, 05:32:32 pm: Paul,
I would Try NFU mutual

Let me know how you get on

Regards Paul
Title: Re: Insurance recommendations
Post by: Joe H on January 24, 2008, 10:20:46 pm: Too many Pauls :)

Paul Moss
The "new" policy at just over £900 was with Zurich
Title: Re: Insurance recommendations
Post by: Tony Gill Carpet Smart on January 24, 2008, 10:22:13 pm: Quote from: TONY GILL CARPETSMART on January 16, 2008, 12:26:45 pm
Hi just been on with hsbc 2m public liability treatment cover for both the decorating and carpet cleaning £139.77 if only 1mpublic liability £95.67 and that includes intrest free instalment over 12 months if i want. GOOD EH!

CHEERS TONY

HSBC TICK ALL THE BOXES
Title: Re: Insurance recommendations
Post by: brian willis on January 26, 2008, 04:47:21 pm: hsbc £215.00 £5 million liability, all risk,£10.000 tool cover.
Cheers
Bri
Title: Re: Insurance recommendations
Post by: Tony Gill Carpet Smart on January 26, 2008, 04:50:29 pm: NICE ONE BRI GOOD EH!!!!!?

CHEERS TONY