Insurance

[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

[prospero]

Try NFU.

[Timh]

Have been with NFU for 7 years
great firm

[pichousepreston]

Thanks both, Hi Tim!

[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

[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

[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.

[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

[pramsay13]

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.

[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.

[pramsay13]

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.

[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]

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

[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.

The end result was a saving of over £400 for the same cover by dealing direct with another insurance company.