[wayne zabel]

Can anyone tell me what I should expect to pay for insurance as a newbie.

Had a quote from a company in Birmingham of about £250,but was speaking to a guy local to me who says he pays about £99 through HSBC

[daysdeepclean]

Direct line £50 for my first year (Public Liability only though)

[Steve Barnett (Carpet Care Plus)]

No Treatment Risk insurance Col ?   

[Adam Fearnley]

I'm fairly new, I pay £88 throught HSBC, includes treatment risk, try them.

[wayne zabel]

I'm a bit confused here,presumably public liabiliy insurance wont pay for a damaged carpet or suite but just cover accidents in the house ect,is this the case.

Adam does your policy cover damaged carpets ect?

[FREEMANSCLEANING]

mine is £28 per month .............................. 5 million liabilty and 5,000 risk treatment

[daysdeepclean]

No Treatment Risk insurance Col ?   

Not in the first year, wasn't aware it existed to be honest!

[Ricky M]

5 million public , £250 k treatment risk £40k tool/van cover £310 ish per year

[elliott cleaning]

Vastly varying premiums above     Can't honestly believe that anything under £100 can cover anything more than public liability.  As for having 250k treatment risk included for £310, I'd be interested to know which insurers offer that.   Not that I can imagine any carpet cleaner requiring that sort of level and thus amazed that anyone offers this.

[daysdeepclean]

Elliot, Check HSBC out then! You can get the lot for £88 ish!

[wayne zabel]

Ok guys as a newie can I ask what you mean by treatment risk?

[gwrightson]

Wayne ,
treatment risk the insurance you need to work on custys carpets suites etc, if you dont have this it could cost you alot of money some where along the line.

public liability does not cover any work you are doing.

I Cant believe that some dont have treatment risk.

nfu  pretty good for all aspects, not sure what ty cost is of the top of my head, but not expensive

Geoff

[richy27]

cheapest is not always the best i pay 250 includes treatment risk. covers me for pub liability, equipment also.

[Andrew Briscoe]

I pay £1250  for public liability 5m employers liability 10m, full treatment risk, have 8 staff, also tools covered.

Andrew

[Adam Fearnley]

Yes £88 for PL up to £2 million and treatment risk, but no tools cover.  HSBC

[clinton]

Always found the hsbc a good deal and easy to contact if you ever need any advice

[malcom1961]

Hi go on to my website www.ritz-cleaners on the bottom of the front page click on my public liability insurance then when the page opens go to contact them
can not remember to exact penny i pay but it is under £80.00 this is for public liability product liability and includes the product you are working on
let me know what they quote you  msabourne@yahoo.co.uk
Malcolm

[Andy Foster]

About £1500 per annum.

£5m public liability
£10m employers liability
All risks (their term for treatment risk) - no £ limit
Working at heights
All kit


I have shopped around and cheap insurance is exactly that!

We try to tell our customers that a cheap carpet cleaner is probably cheap for a reason, why should insurance be any different?

[Joe H]

Andy
Do you employ people?
Surely you do because you mention employer liability.
Thats the only reason I can think as to why your insurance is at the level it is.

Mine this year was about £900 but that with employer liability as I have 6 others on my books (domestic cleaning).

[Andy Foster]

3 employees of the company, me being one of them (limited company).

Unlimited treatment risk bumps up the cost, but when you are cleaning bricks on a new build that cost £25 each you need to know that if you wake up the next day and find you have ruined 500 of them that you don't end up paying for 300 of them out of your own pocket!