[Adam P]

had a quote from polished insurance (sponsors of this forum) with the below details. wanted to see if people could check it and make sure that i've not missed out on something i should have any any potential to be ripped off and not have enough, e.g. say i've got treatment risk, but without realising they only cover items up to £50 etc.

details:

The quotation is offered by Hiscox Insurance Company Ltd and provides the following cover;

 

                o Damage to the property being cleaned (commonly known as Damage to Property Being Worked Upon)
                o Loss of customer’s keys/Consequential Losses – to a sum insured of £75,000
                o Damage caused by cleaning materials used (commonly known as Treatment Risks)
                o Employers Liability Insurance - £ 10,000,000
                o Public & Products Liability Insurance - £ 2,000,000
                o Interest free direct debit payments
                o Continuous policy cover which means your premium will not increase next year unless your turnover increases by over 50% and/or your claims record is unacceptable.


The annual premium for this cover is £ 348.81 including Insurance Premium Tax of £ 15.10and £ 31.71 broker fee.

[Daria Taylor]

looks fine to me, thats very simular to what we've got but we also have our tools and equipment covered.Therefore our price is quiet a bit higher.

Thats what ours says:

Public Liability £2,000,000 in any one occurrence
Products Liability £2,000,000 in any one year
Employers Liability £10,000,000 in any one occurrence
Tools Cover: £6000 in total
Cover includes: Damage to property being worked upon
Treatment Risks
Loss of Customer’s Keys to £50,000
Fidelity Guarantee
Financial Loss
Misuse of Customer’s Telephones

[pristineclean]

I got a quote from them as well; beat my closest by £500

[BDCS]

I'd like to know what unacceptable is where they talk about your claims record