Liability Insurance

Author

Message

Topic Search

Topic Options

oldfart

Newbie

Joined: 27/October/2006
Status: Offline
Points: 14

Post Options

Post Reply

Quote oldfart

Report Post

Thanks(0)

Quote

Topic: Liability Insurance
Posted: 01/November/2006 at 10:01pm

Liability insurance who is good and at a good price?

Sponsored Links

Commercial Carpet Cleaning Machines

Commercial Floor Cleaning Machine

danmarck82 View Drop Down

Carpet Cleaning Specialist

Joined: 08/February/2004
Status: Offline
Points: 618

Post Options

Post Reply

Quote danmarck82

Report Post

Thanks(0)

Quote

Posted: 01/November/2006 at 11:34pm

State Farm has been mine for 15 or so years, never had a claim so I don't know how they would be. They are pretty good on other insurance i have with them .

Mine is about 600.00 per year. I have a voluntary damage coverage.
Which basically pays upon my admitting that I screwed up and damaged a piece of someone else's goods, couch , carpet , or what have you.///
but it has a 250 or 500.00 deductible . So I have yet to have need
it also is 1,000,000.00 Liability , which is sometimes required on the larger industrial jobs.

thermedix

Senior Member

Joined: 01/December/2005
Location: Saint Kitts
Status: Offline
Points: 176

Post Options

Post Reply

Quote thermedix

Report Post

Thanks(0)

Quote

Posted: 02/November/2006 at 8:31am

oldfart

Use the people that use you, as many have said, it`s all about networking, if you have a customer that is in the insurance business,

or a member of your business groups/ don`t be afraid to ask, "if I use you, will you use me?" for flood extraction/restoration etc. we have even had calls from our insurance company directing us to remove red wine from carpet, their insured was claiming a new carpet, we removed it for a fraction of the cost of replacement, and charge full price..

I would not recommend using online insurance companies, you will never have this opportunity with them, and for the couple of pennies it will save, you make it back ten fold.

** the cost difference between $one million and two million is very little and many government contracts request it.

Good Luck

It`s not how far you fall...it`s how high you bounce back up...

talzee

Newbie

Joined: 30/October/2006
Location: Canada
Status: Offline
Points: 25

Post Options

Post Reply

Quote talzee

Report Post

Thanks(0)

Quote

Posted: 02/November/2006 at 9:54am

I agree with Thermedix...If you do business with them don't be afraid to ask for the business back from them. We shop all of our insurance annually using 2 local brokers. For the past while each broker has come up more bells and whistles and savings and we simply go with the deal that gives us the most for the least.
Both of these brokers are great referral sources and centres of influence for both flood work and cleaning.

Author	Message Topic Search Topic Options Post Reply Create New Topic Printable Version Translate Topic
oldfart Members Profile Send Private Message Find Members Posts Add to Buddy List Newbie Joined: 27/October/2006 Status: Offline Points: 14	Post Options Post Reply Quote oldfart Report Post Thanks(0) Quote Reply Topic: Liability Insurance Posted: 01/November/2006 at 10:01pm
	Liability insurance who is good and at a good price?

Sponsored Links	Commercial Carpet Cleaning Machines Commercial Floor Cleaning Machine

danmarck82 Members Profile Send Private Message Find Members Posts Add to Buddy List Carpet Cleaning Specialist Joined: 08/February/2004 Status: Offline Points: 618	Post Options Post Reply Quote danmarck82 Report Post Thanks(0) Quote Reply Posted: 01/November/2006 at 11:34pm
	State Farm has been mine for 15 or so years, never had a claim so I don't know how they would be. They are pretty good on other insurance i have with them . Mine is about 600.00 per year. I have a voluntary damage coverage. Which basically pays upon my admitting that I screwed up and damaged a piece of someone else's goods, couch , carpet , or what have you./// but it has a 250 or 500.00 deductible . So I have yet to have need it also is 1,000,000.00 Liability , which is sometimes required on the larger industrial jobs.

thermedix Members Profile Send Private Message Find Members Posts Add to Buddy List Senior Member Joined: 01/December/2005 Location: Saint Kitts Status: Offline Points: 176	Post Options Post Reply Quote thermedix Report Post Thanks(0) Quote Reply Posted: 02/November/2006 at 8:31am
	oldfart Use the people that use you, as many have said, it`s all about networking, if you have a customer that is in the insurance business, or a member of your business groups/ don`t be afraid to ask, "if I use you, will you use me?" for flood extraction/restoration etc. we have even had calls from our insurance company directing us to remove red wine from carpet, their insured was claiming a new carpet, we removed it for a fraction of the cost of replacement, and charge full price.. I would not recommend using online insurance companies, you will never have this opportunity with them, and for the couple of pennies it will save, you make it back ten fold. ** the cost difference between $one million and two million is very little and many government contracts request it. Good Luck
	It`s not how far you fall...it`s how high you bounce back up...

talzee Members Profile Send Private Message Find Members Posts Add to Buddy List Newbie Joined: 30/October/2006 Location: Canada Status: Offline Points: 25	Post Options Post Reply Quote talzee Report Post Thanks(0) Quote Reply Posted: 02/November/2006 at 9:54am
	I agree with Thermedix...If you do business with them don't be afraid to ask for the business back from them. We shop all of our insurance annually using 2 local brokers. For the past while each broker has come up more bells and whistles and savings and we simply go with the deal that gives us the most for the least. Both of these brokers are great referral sources and centres of influence for both flood work and cleaning.

Welcome to KleenKuip.com's Professional Carpet Cleaners Discussion Forum!

Liability Insurance