[Bill Robinson]

just found out my insurance doesnt cover the carpets or upholstry im cleaning but if i spilt something on a carpet im not working on i am covered for that only .

how comes. can anyone help what does your insurance cover can you recomend anywhere else that will cover everything

the company i was talking about was black friars

[nick.solution]

Hi Bill

Thats the difference between a normal risk policy and a full treatment risk policy.

the item you are working on is not covered as the insurance company would see this as bad workmanship, if damaged you would be expected to cover it,

Ask your broker to try Sutton Specialist risks, I think in past threads HSBC offer a full treament risk policy as well.

Hope this helps

Regards Nick

[the red carpet]

try hsbc,
im covered for third party and treatment cover for £94 a year
only prob £500 excess but with any luck you wont have to claim anyway

tel: 01202 455 545

[Bill Robinson]

i dont mind the excess as long as i can tell my client that im fully insured i will be happy but with the other insurance i feel im cheeting them a little

[gwrightson]

N.F.U.   national farmers union  good cover for treatment , public liability
you dont have to be a farmer either
 geoff

[Kev Loomes]

Try: http://www.norwichunionselfemployed.co.uk/

Got my insurance in Jan. It is relatively cheap, covers you for items you are working on (definately) and you can pick and choose what elements you want - like a package, stock, public & products, business equipment etc, they even included money & assault cover which means your covered if you lose money (or have it stolen), up to £1,000 . From start to finish took 5 mins.


Sorted.

Cheers

[ollie]

Try Mcgregor loyd they are really good, i think you have to have had x years of experience or be a member of the NCCA to use them. I get all my insurance through them and im covered for £5000 treatment risk.
Ollie

[BRSL]

bit of cach 22 aint it Ollie as you need treatment risk and P/L to become a member of the NCCA.

Try Mill Hall around £400 for both Public/L and treatment risk and cover evrything just a matter of ticking boxes what you want cover for or not, were covered for all cleaning works hard floor kitchen tower ect but im starting too think this is a lot is that right am I 

[Bill Robinson]

Try: http://www.norwichunionselfemployed.co.uk/

Got my insurance in Jan. It is relatively cheap, covers you for items you are working on (definately) and you can pick and choose what elements you want - like a package, stock, public & products, business equipment etc, they even included money & assault cover which means your covered if you lose money (or have it stolen), up to £1,000 . From start to finish took 5 mins.


Sorted.

Cheers

hi
 i tried but they said they dont do it 

[Park Cleaning Services]

as already mentioned  HSBC   £94 for the year. i also took out contract works and 10 million employers liabilty and the price only went up to just below £200

no other company that i approached could come anywhere near this price..

Kind Regards............Ian

[Bill Robinson]

just phoned but busy
will ring me later
i wish i was so busy

[Chris Bailey]

How's this, HSBC.... 2mill public liability 250K treatment risk, no extras.. £94.10!!!!!!

01202 455 545

Chris

[dirtbusters]

give these guys a ring they specialise in  insurance for the cleaning industry, we have been dealing with them for years and they have policies with full treatment risk available.

they are called millhall
 
 01268 774040

[Bill Robinson]

as already mentioned  HSBC   £94 for the year. i also took out contract works and 10 million employers liabilty and the price only went up to just below £200

no other company that i approached could come anywhere near this price..

Kind Regards............Ian

got it

[COLIN BRIGHT]

i have just insured with the NFU, as with all brokers the policies seem to almost double if you have an emplyee
my cost for both of us is  £465.00 per year

anybody got any thoughts on this?

ps.  they do say that this policy will cover up to ten employees!!!!!!

pity i've only got one part timer!!!!