Insurance

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pichousepreston
Posts: 144
Joined: Mon 16 Jul, 2012 1:47 pm
Location: Preston
Organisation: The Picture House
Interests: Art, framing

Insurance

Post by pichousepreston »

Hi

Please can anyone recommend a decent insurance company that will provide cover for framing equipment plus art gallery with original art for sale?

Thanks
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prospero
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Location: Lincolnshire

Re: Insurance

Post by prospero »

Try NFU. 8)
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Timh
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Organisation: kingswood frames and mirors
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Re: Insurance

Post by Timh »

Have been with NFU for 7 years
great firm
pichousepreston
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Organisation: The Picture House
Interests: Art, framing

Re: Insurance

Post by pichousepreston »

Thanks both, Hi Tim!
Kwik Picture Framing
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Re: Insurance

Post by Kwik Picture Framing »

I'm all for people offering support on here and NFU might be the best insurers for your needs but it might be an idea to speak to a local insurance broker.

There may be a company out there that are brilliant but none of us have ever heard of :Slap:
Timh
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Re: Insurance

Post by Timh »

It's a fair point KPF and it is best to check

just made my observation on dealing with quite a few brokers and firms over the years.
I had a burglary and a water leak over the years and NFU were great at processing the claim really quickly with no faffing.
Hi back H. hope you're well
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pramsay13
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Re: Insurance

Post by pramsay13 »

The topic of insurance pops up now and again and I've read most of them.
I think NFU seems to be great as long as they get what it is you do. The problem seems to come when it can't be easily categorised.
e.g. I frame from the garage, so I'm really just wanting equipment cover, but NFU cover was going to be a few thousand pounds a year.
Simply business seems to be another option that gets mentioned.
Instead I've gone for LV and it is just a house insurance with working from home cover added for a few hundred.
I think the moral is to by all means try NFU or a broker, but be prepared to explain exactly what you do and to ensure that cover is adequate.
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Steve N
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Re: Insurance

Post by Steve N »

pramsay13 wrote :

"Instead I've gone for LV and it is just a house insurance with working from home cover added for a few hundred."


Does this cover your customers artwork, while it is in your care
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pramsay13
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Re: Insurance

Post by pramsay13 »

Steve N wrote: Does this cover your customers artwork, while it is in your care
No, so I will make a judgement call if I get anything in of value.
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Steve N
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Re: Insurance

Post by Steve N »

Does it cover 'Public Liability' when customer come to you in your garage to drop off, chose frame and pick up their finished work.
Steve CEO GCF (020)
Believed in Time Travel since 2035

Proud to sell Ready Made Frames
http://www.frontierpictureframes.com
http://www.designerpicturemounts.com/
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pramsay13
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Re: Insurance

Post by pramsay13 »

Steve N wrote:Does it cover 'Public Liability' when customer come to you in your garage to drop off, chose frame and pick up their finished work.
No, it doesn't cover that either.
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IFGL
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Re: Insurance

Post by IFGL »

Be careful, that means it dose not cover their kids either, we have had 2 injuries to the public in the 16 years we have been operating, both to unsupervised children, no claims made but the potential is there.
Kwik Picture Framing
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Re: Insurance

Post by Kwik Picture Framing »

http://www.moneysupermarket.com is best for commercial insurance
DCS
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Re: Insurance

Post by DCS »

We have just renewed our public liability, employers liability and shop insurance and believe me it pays to shop around.
We have been using an on-line broker who sent the renewal documents to us informing us that on the due date £xx amount will come out of our bank. :(
This was £200 more than we paid last year for the same cover so we decided to look for ourselves elsewhere. :nerd:

The end result was a saving of over £400 for the same cover by dealing direct with another insurance company. :clap:
For my sins I own and operate
http://www.durhamcitystudios.com
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