Insurance for framing retail workshop

[Milky]

Hi,

we're currently looking for an insurance policy that covers customers work while it's being worked on (among other things). It seems easy enough to get cover for whilst it's waiting to be framed or if it gets damaged after it's framed but not while it's being worked on...which seems odd.

We're not in the habbit of damaging customers work but it's nice to know that the cover is there.

If anyone can point us in the direction of any recommended insurers/brokers we would be most grateful.

Thanks for looking

[Roboframer]

Public Liability insurance protects you from loss or damage resulting from a claim for damages by a third party arising from negligence on your part - shouldn't matter if that's while it's being worked on or not, but there might be clauses, like fire or other things that might not be negligence on your part.

So make sure there is a clause in your contents insurance - there's a term for it I can't remember, something like 'other peoples' property in your possession' and you can state an 'up to' value which can be temporarily increased if you get something in that has a value above that.

[framemaker]

Hi,

I am in the process of changing insurers at the moment, from Besso to NFU (based on positive comments on the forum), with Besso my own stock and customers work entrusted to me was grouped together. Then there was separate risk called process cover, this was a relatively low amount and covered customers work which was damaged while I was working on it, also the maximum amount of cover for loss or theft of an individual item was rather low.
As for NFU my own stock and customers work are listed separately, and I made sure that this also covered damage to customers work while I am working on it. There are also no low limits.

[Milky]

Thanks for the replies.

Hopefully our insurance company have come up with the goods now.

Can't wait til Monday so we can read through the many pages of the policy...not!

Thanks again

[Framerpicture]

- there's a term for it I can't remember, something like 'other peoples' property in your possession' and you can state an 'up to' value which can be temporarily increased if you get something in that has a value above that.

Goods in trust is the term I think your looking for

[prospero]

I have specific cover for customers work 'held in trust'. Never had to claim, but I would think that it the work happened to be damaged in any way it would depend on the circumstances on whether the insurance company would honour a claim. It's more to cover fires/theft/other things that you have taken reasonable steps to avoid.

Scenario 1. You have a painting on the workbench. Someone knocks a cup of coffee over it. Painting ruined... Legitimate Claim?

Scenario 2. You have a painting on the workbench. The people upstairs have a burst pipe which brings the ceiling down over your workbench. Painting ruined... Legitimate Claim?

Scenario 3. You have a painting on the workbench. A delivery man decides that is the perfect place to land a big parcel. Painting ruined... Legitimate Claim?

Scenario 5. You have a painting on the workbench. I looks a bit dirty so you try to clean it with Cillit Bang an a souring pad. Painting ruined... Legitimate Claim?


OK. You're the insurance assessor. Pick the bones out of that lot.


(i'm with the NFU btw.)

[birdman]

We are currently with Besso but always looking for a good deal. I did try the NFU but they were only able to offer me two policies, one as a retailer and one as a manufacturer and it worked out more expensive. Now having heard that some of you have insured with NFU I might try them again and see if there has been a change of policy.

[Roboframer]

We use a broker, brokers are fab, best policy at the best price and if you have to make a serious claim the loss adjuster will deal with your broker, who cannot be bullshitted, and not you, who can.

[prospero]

I actually switched to the NFU from a slightly cheaper deal mainly because I can deal directly with a local agent rather than an impersonal switchboard. They do a nice shop policy that can be tailored to individual needs. Buildings cover included if necessary. Also there are a lot of good extras such as goods in transit and I can increase cover on a temp basis when I need to. There was a time when some companies avoided commercial policies like the plague, but times change......

[WelshFramer]

Scenario 5. You have a painting on the workbench. I looks a bit dirty so you try to clean it with Cillit Bang an a souring pad. Painting ruined... Legitimate Claim?

Certainly not. You should know never to use modern cleaning materials on an old painting. Vim or Ajax would have been much more appropriate.

[prospero]

Certainly not. You should know never to use modern cleaning materials on an old painting. Vim or Ajax would have been much more appropriate.

A customer once brought it a hand-coloured opaline photo that she had tried to clean using that exact method. It was Ajax on a scrubbing brush if I remember right. I had to repaint it. There is quite an amusing story about how I did it, but I'll save it for the long winter nights.....

[Gesso&Bole]

I was looking for insurance last month. Spoke to a well-respected broker who questioned me for 40 minutes on the phone, then went away, and a week later came back with a quote that sounded quite good, so I agreed. He then sent me a huge pile of paper, 27 pages, of which about half I had to fill in and post back. On page 19 in small letters it mentioned that I would need to have an alarm system of a better spec than I have .. . . .

I was just puzzling over this scenario, and whether it was possible to upgrade my alarm system rather than install a new one, when the NFU chap called in to see me. We had a chat, and a cup of tea, and it is all sorted. £50 a year more expensive than the other quote, but no need for a new alarm system, and they charge virtually nothing extra to pay by monthly installments. And the cover is slightly higher on each item. Sorted!