Clean It Up

UK Floor Cleaning Forum => Carpet Cleaning Forum => Topic started by: Chris Bailey on November 25, 2004, 06:00:10 pm

Title: Treatment Risk Insurance
Post by: Chris Bailey on November 25, 2004, 06:00:10 pm: The evil daddy!! and an expensive one as well....

I would be interested to hear how much your paying for treatment risk insurance and from who?

Mine cost me nearly £1,500 a year from Camberford - had difficulty find anyone else to cover treatment risk

Chris
Title: Re: Treatment Risk Insurance
Post by: Ken Wainwright on November 25, 2004, 06:05:36 pm: Everyones circumstances will differ and so affect the premiums quoted but, as a one man band employing my wife and occasional part time casual, my combined Employers (£10m), Public (£2m) and Treatment (£2m) risk policy was about £460 last year. Renewal due in the next 2 weeks, so awaiting a letter to drop on the mat :(

Safe and happy cleaning :)
Ken
Title: Re: Treatment Risk Insurance
Post by: easi-kleen on November 25, 2004, 06:15:04 pm: Who is that with Ken

I'm with McGregor Lloyd at the moment

Phil
Title: Re: Treatment Risk Insurance
Post by: Big_Fish on November 25, 2004, 07:26:43 pm: We have all of our insurance with McGregor Lloyd. They are very well priced, efficient and friendly.

Nicky
Title: Re: Treatment Risk Insurance
Post by: beau4021 on November 25, 2004, 07:43:15 pm: thanks for the mail. still on the case
details will follow!!!
regards.brian
Title: Re: Treatment Risk Insurance
Post by: martin19842 on November 25, 2004, 07:46:31 pm: hi there,

i am with camberford law, yes i agree it is expensive, but i am sure that its worth the money. and really you just factor the cost into your yearly turnover.

If however you do only have a low turnover then paying out £1500 plus will hit the bottom line.

regards

martin
Title: Re: Treatment Risk Insurance
Post by: dave washbrook on November 25, 2004, 11:31:14 pm: hi all
i have my insurance with hsbc bank £113.00 per year for 2mill public liabilty and 2mill treatment risk no employers liability as i work on my own also no van contents still looking into that any ideas

thanks

dave
Title: Re: Treatment Risk Insurance
Post by: Ken Wainwright on November 26, 2004, 11:02:24 am: Whoops :-[

HSBC

Mac Lloyd is excellent value, but check that the treatment risk is sufficient. A colleague of mine cleaned a suite a couple of weeks ago costing £7k, so their £5k starter policy would be insufficient. Tomorrow I'll be cleaning carpet worth at least £100k and if something went wrong the logistics aspect alone would probably increase that by at least 50%. Beware.

Safe and happy cleaning :)

Ken
Title: Re: Treatment Risk Insurance
Post by: Chris Bailey on November 26, 2004, 01:09:59 pm: Well there is certainly big differences with what people are paying, I think I'm gonna take some take and do some ringing around... Again!

Can I get some phone numbers, I'll post my findings

Chris
Title: Re: Treatment Risk Insurance
Post by: Ken Wainwright on November 26, 2004, 05:30:16 pm: HSBC are in Bournemouth 01202 455545

Check with all insurers that you are getting what you need. eg does liability cover apply to all employees, full time, part time and occasional labour?

Safe and happy cleaning :)
Ken
Title: Re: Treatment Risk Insurance
Post by: dave401uk on November 26, 2004, 07:29:52 pm: i today conntacted "More than" after a mail shot dropped through my door,
their quote for 5million puplic liability and goods being worked on was £525, would be interested to find out if this cover would keep the NCCA happy,with regards to insurance and membership

Dave
Title: Re: Treatment Risk Insurance
Post by: des on November 27, 2004, 04:56:33 pm: Call me stupid but over the last few years i have heard differant views on what treatment risk insurance covers your view please