The Framers Forum

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

Try NFU.

Have been with NFU for 7 years
great firm

Thanks both, Hi Tim!

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

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

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.

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

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.

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 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.

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.

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

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.