[Eddie_Rhone]

Hi Everyone

I've used HSBC for my business ins in the past but they have now transferred their bus ins to AXA whose bus ins policy does not include treatment risk. Can anyone recomend a good ins company for carpet cleaners that include treatment risk.

Kind Regards

Eddie Rhone

[Joe H]

Try Quoteline Direct 0151 489 0529.
I have my van and business insurance thro them. Business is with Quinn, dont know if you can deal direct with Quinn. Treatment Risk is standard.

[Paul_Ashworth]

You could try NFU you will probably have a local office too.

[fitz2kleen]

hi eddy,
we have our insurance with axa and although it isnt included as standard, they will add it on for you, at a premium of course.
didnt make a huge difference to the cost though.

trena

[Len Gribble]

Eddie

Bit confused I’m (sole trader) with HSBC (as the broker) PL + risk treatment on documents mine with Allianz.

Len

[gr cleaning solutions]

I also have the same as Len

[Len Gribble]

In the past appear to be the operative words! I really need to brush up on my English item 8. Panic over hsbc insurances are still going, just love discounts 17% off of what  :


Cut and pasted

Business Insurance
Offer 12 months cover for the price of 10 months (17% discount). This offer applies for enquiries introduced by HSBC Bank plc branches and call centres, and telephone enquiries made directly to AXA Insurance UK plc using HSBC telephone numbers, and in relation to which a quotation is issued by AXA Insurance UK plc during the Sale period. All insurance is arranged, underwritten and administered by AXA Insurance UK plc.
1.   Sale period 4th January 2010 until 14th February 2010.
2.   Quotations are valid for 45 days from the date that the quotation is given.
3.   Offer only applies to the following AXA Insurance products: Tradesmen, Professionals, Shop, Office, Surgeries, Working from Home, Property Owners and Flats.
4.   Quotations and cover cannot be guaranteed, as some trades/risks may not be acceptable to AXA Insurance underwriters and all quotations are subject to AXA standard terms, conditions, limitations and exclusions which are available from AXA Insurance UK plc on request.
5.   All quotations are subject to the policy minimum premiums which override any discounts and take precedence (premium cannot fall below minimum premiums).
6.   The sale offer is only applicable to the premium for the first year of insurance.
7.   Premium instalments are available (the standard instalment surcharge will apply) subject to a deposit of one month premium followed by 11 equal instalments and timely provision of all the necessary payment information.
8.   This offer is not available to existing HSBC Business Insurance Customers/Policy Holders.
9.   Business hours are 8am to 6pm Monday to Friday, excluding public holidays.
10.   Telephone calls may be monitored or recorded.


Len

[Tarmbo]

Without hesitation I would recommend the NFU. They were so good I had to check that it was like for like. When you ring up you can understand the other person speaking and they are very helpful.

[Jim_77]

Towergate Risk Solutions are very good too.

[craigp]

Len HSBC insurance is being past over to AXA when you renew, NOTE: AXA will drop the 'treatment risk' part of the insurance without letting you know and the new cover will only be Public Liability.

Some may be caught out by this and go on thinking they got Treatment Risk when they dont!

I rang AXA and asked if they can add it for extra they said they dont do treatment risk.

So I too will be looking for a new insurer when HSBC policy ends.

[Aquakleen Restoration Services]

Hi all,

I have just rung AXA about this and they told me that I was fully covered for treatment risk after moving from HSBC. I also asked wether they could put this in writing and they have agreed to do so.

John

[fitz2kleen]

Len HSBC insurance is being past over to AXA when you renew, NOTE: AXA will drop the 'treatment risk' part of the insurance without letting you know and the new cover will only be Public Liability.

Some may be caught out by this and go on thinking they got Treatment Risk when they dont!

I rang AXA and asked if they can add it for extra they said they dont do treatment risk.

So I too will be looking for a new insurer when HSBC policy ends.

yep John same  here, i do have cover for treatment risks, it is with axa and i too have it in writing.

[Tony Gill Carpet Smart]

I have just got of the phone with AXA and was told i would not get treatment risk  on my renewal 18/02/2010 BUT as i was typing this post a phone call back from AXA telling me yes it would be included in my policy.
I had explained why I had called after reading a post on a carpet cleaning forum.
What she did say which seemed a bit strange was some policys would still get treatment risk and some would not !!!!!!!!!!!
Best thing i think you can do is call them to see how you stand.

Cheers Tony

[markpowell]

Im with HSBC but the policy is with Allianz, only renewed couple of weeks since and it is full risk cover.
Mark

[craigp]

My proposal from AXA never said 'treatment risk' or refered to it anywhere, and they told me they wont offer it

maybe I should call again to check, does your AXA proposal/certificate auctally say treatment risk?

Have you told them its to cover items worked on? and it does cover it? as the girl I spoke to never even heard of treatment risk

[Joe H]

Im with HSBC but the policy is with Allianz, only renewed couple of weeks since and it is full risk cover.
Mark

but does "full risk cover" include treatment risk", Mark?

I only learnt about treatment risk two years ago when I wanted to join the NCCA and they stipulate you must show proof of treatment risk cover.
I was surprised and shocked when my broker told me my ins. company did not and would not do treatment risk.
I changed companies and actually saved money.

I always thought that what you are working on was covered - WRONG obviously.

[craigp]

Just called them again he said this issue has been looked at by senior underwriters to make a dississcion if they can offer this cover and they decided NO they could not.

I was told They definutly arent doing treatment risk.

I told them some colleuges believe you are and he said all I can say is maybe thier occupations different.

Are you guys down as general cleaners?

as for 'carpet and upholstery cleaning' they are not able to offer insurance for items worked on.
 

[Jim_77]

"Product Liability" is the term often used instead of "Treatment Risk".  All business policies should have it, I think you're just using different language to them, they only read off scripts after all :

[Eddie_Rhone]

Hi Guys

It seems my thread has opened up a can of worms. Just clarify my position my policy was with Allianz through HSBC and had come up for renewal and was transferred to AXA  they same as some others on here. I was orginally told no treatment risk, but having seen some of the comments on here I contacted them again and one of there underwriters called me back. She said that as I had had treatment risk on my policy with HSBC they would provide it on their policy. She said there were some admin problems between HSBC and themsleves and they were not sure which policies with HSBC had Treatment Risk and which did not as HSBC had not  given them  that information so it seems they decided not to include it unless you query it. Something for all HSBC insurance holders to think about when their policies come up for renewal with AXA I think.

Kind Regards

Eddie

[Tony Gill Carpet Smart]

Mark the letter i recived from HSBC was dated 22/12/2009 so it is possible your renewall was done before they have decided not to offer the service and move it to axa.
My old HSBC Allianz policy same as  Marks has TREATMENT RISK incorparated in it.
Craig as I said in my post they rang me back to say it would be included in my policy I will let you know when I get it in black and white if she is telling the truth or not.

Cheers Tony