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Tony Gill Carpet Smart

  • Posts: 1254
Re: Business Insurance
« Reply #20 on: January 22, 2010, 06:23:46 pm »
Eddie.
GLAD YOU DID M8.
I for one would not have looked into it until i got my renewall in Febuary. Then its panic stations.

Cheers Tony
STAY YOUNG HAVE FUN BE HAPPY xx
www.carpetcleanersbridlington.co.uk

gary.coles

Re: Business Insurance
« Reply #21 on: January 22, 2010, 06:30:45 pm »
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.
Hi,

i was with insurance company for about 6 years,and when i wanted risk treatment cover they could not cover you for what you do,only around you they said.

We are now with a company in london,and we have full risk treatment  cover,with unlimted cover,so now we have the full monty!!!

Not bad i thought for employers cover as well,and covering all aspects of the cleaning trade!

£420.00 with the tax bit included  ;)

Joe,you must be insured in the same place where i am yeh!! Mr C.  :D

                     Regards Gary  :)


fitz2kleen

  • Posts: 373
Re: Business Insurance
« Reply #22 on: January 22, 2010, 06:32:46 pm »
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


our policy was with axa from the outset, we went to great lengths and many many telephone calls to ensure that treatment risk was included. we explained in great detail the type of work we do and the processes involved.
the first years policy we were assured it was included but could find nothing in writing, so when the policy came up for renewal we INSISTED it was included or else we were going elsewhere.

Len Gribble

  • Posts: 5106
Re: Business Insurance
« Reply #23 on: January 22, 2010, 08:06:20 pm »
Thanks Eddie

I’ve been with hsbc for years and it’s a roll on type Allianz take the money each month and hsbc send me the paper work august time, will watch my bank account don’t want to pay twice.

Len   
Always bear in mind that your own resolution to succeed is more important than any other. (Sidcup Kent)

craigp

Re: Business Insurance
« Reply #24 on: January 22, 2010, 11:04:49 pm »
If you have your AXA schedule read section 101 on page 11.

Thats the section the guy told me they had to make a deccision on.

If section 101 IS on your schedule your not covered!


NCCA have gave me a list of insurers to use that will give me the cover I need.

Steve Barnett (Carpet Care Plus)

  • Posts: 1834
Re: Business Insurance
« Reply #25 on: January 22, 2010, 11:49:08 pm »
The real question is why do we need Treatment Risk insurance, is it just because the NCCA say we should ?

They don't have it in the USA, because insurers won't give you cover against you making a cock-up, you are expected to know what you are doing.

Food for thought ?

Steve

Paul_Ashworth

  • Posts: 411
Re: Business Insurance
« Reply #26 on: January 23, 2010, 12:01:45 am »
Very good point that Steve

Tony Gill Carpet Smart

  • Posts: 1254
Re: Business Insurance
« Reply #27 on: January 23, 2010, 12:38:36 am »
Something I have always had for the Decorating side of thing is product risk same as treatment risk just another name makes sense to have it. Covers you not for your cock ups but if the product or treatment you are using causes a problem as long as it has been used correctly.

Cheers Tony
STAY YOUNG HAVE FUN BE HAPPY xx
www.carpetcleanersbridlington.co.uk

Joe H

Re: Business Insurance
« Reply #28 on: January 23, 2010, 06:15:07 am »
The real question is why do we need Treatment Risk insurance, is it just because the NCCA say we should ?
They don't have it in the USA, because insurers won't give you cover against you making a cock-up, you are expected to know what you are doing.
Food for thought ?
Steve

Why do we have Public Liability Ins then?  Surely we supposed to put Health & Safety of others at the forefront of whatever we do?


Steve Barnett (Carpet Care Plus)

  • Posts: 1834
Re: Business Insurance
« Reply #29 on: January 23, 2010, 09:29:07 am »
As far as I'm aware Joe, Public Liability is a legal requirement for any business. However, Treatment Risk isn't.

Not trying to be imflammatory, just raising a question.

Steve

David Ware

  • Posts: 300
Re: Business Insurance
« Reply #30 on: January 23, 2010, 09:38:05 am »
Steve to give you an example of why you need treatment risk.

There are so many factors beyond the control of the cleaner such as, to mention only a few: fugitive dyes, fugitive buckram, water marking, pile shading, fugitive seat lining, chemical reaction from previous cleaning materials and from foreign matter of various kinds, ingrained soil, light fading, shrinkage, weak, tender, defective or deteriorated materials which disintegrate in the hands of careful workmen, that it is impossible for the Company to guarantee that in process harm or damage may not occur to the article being processed. This is especially so in the case of spotting, since the very nature of some spots and stains, e.g. oxidized rust, liquor, cosmetics, inks,etc, make it impossible to restore original color or texture. Consequently, all work is undertaken at the customers’ risk. The Company will however use its best endeavors to undertake the work contracted for in a proper manner and will take all reasonable steps to produce the best results possible.
In the event of a claim where we accept liability, compensation shall be limited to one half of the original cost of the goods and no article shall be deemed to have a value exceeding £15 sq.yd of fabric unless, before the work is commenced,the true value of the goods is declared
to us in writing,. Where such declaration is made, the Company reserves the right to charge
an additional price.
The Company cannot recognize, or be bound by, any other verbal or written assurances conditions or warranties made by them, its agents or staff.
David

Steve Barnett (Carpet Care Plus)

  • Posts: 1834
Re: Business Insurance
« Reply #31 on: January 23, 2010, 09:47:41 am »
Hi Dave, hope you're well.

I do understand the benefits of having Treatment Risk and I guess for the small extra cost involved it's no bad thing to have.

I suppose we are lucky we don't live in a litigious society, which must be why they don't have it in the USA.


Steve

craigp

Re: Business Insurance
« Reply #32 on: January 23, 2010, 10:45:52 am »
Interestingly Steve, Public Liability is NOT a legal requirement or at least that was the case three years ago, unless that has changed.

Joe H

Re: Business Insurance
« Reply #33 on: January 23, 2010, 02:40:05 pm »
Public libility is NOT a legal requirement but Employers Liability IS.

Having PL is good businesss practice and some business demand you to have it or they will not deal with you.

craigp

Re: Business Insurance
« Reply #34 on: January 23, 2010, 02:55:49 pm »
I agree Joe, Im not suggesting not having PL just pointing out a fact 8)

Joe H

Re: Business Insurance
« Reply #35 on: January 23, 2010, 03:26:27 pm »
Hi  Craig
I was just confirming what  you thought to be correct 3 years ago is still correct.

Chris_Thomas

  • Posts: 160
Re: Business Insurance
« Reply #36 on: January 23, 2010, 06:02:36 pm »
These guys know the score.

http://www.carpet.cleaning-insurance.co.uk/

Cheers

Chris

Griffus

  • Posts: 1942
Re: Business Insurance
« Reply #37 on: January 24, 2010, 02:31:44 am »
HSBC have cost us a small fortune by pulling out of the insurance game. They were so cheap with motor insurance (one of the reasons they've pulled out!) that to go elsewhere has brought tears to my eyes!

Most of the staff involved have either been made redundant already or on notice. This is a shame as they were always polite and helpful.

On to Public, Product (including treatment risk) and Employers; we use Allied Insurance Services. Way ahead of anyone else we spoke too.

Try them on 0844 815 6211.