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doug 
King of the One Liners 
Just My opinion Joined: 31/January/2004 Status: Offline Points: 32711 |
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 Topic: LIABILITYPosted: 02/July/2004 at 7:40am |
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Has anyone evey had a client fall or injure themselves and want to make claim against you? This is as result of your cleaning process. |
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MR. STEAMER
True Patriot 
Only in the GTA Joined: 03/March/2004 Location: Canada Status: Offline Points: 14549 |
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Posted: 02/July/2004 at 11:05pm |
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They can't if it happens in the home...It's covered under the home owners insurance..... If you fall because of the cleaning you could sue...lol |
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doug
King of the One Liners
Just My opinion Joined: 31/January/2004 Status: Offline Points: 32711 |
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Posted: 03/July/2004 at 8:43am |
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Mr. Steamer: Insurance compaines do not agree with you. I have just been served from a client that slipped 2 years ago. I am being told it was our responsibility to have cones and signs erected. I of cource disagree because it is their house and I cannot dictate to them what ot do. I was also told signs similar to what garage have posted should have been visible. What a pile of sh*t.
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LilNiteRidrhood
Master Carpet Cleaner 
Joined: 17/March/2004 Location: Antarctica Status: Offline Points: 1257 |
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Posted: 03/July/2004 at 9:05am |
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I have been sued for 1 1/2 million from a slip/fall in an apartment building hallway. The building owner was sued too. As fate would have it we both have the same insurance company, but different divisions. They handled everything. The suit has been going on for years, if and when they pay they will then in turn sue (subrogation)the subcontractors or subcontactors insurance company. Have to be insured no matter where you are on the hierarchy. |
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surroundings
Journeyman 
Joined: 27/June/2004 Location: Australia Status: Offline Points: 243 |
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Posted: 03/July/2004 at 11:56am |
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The minimum liability insurance requirement (here in Australia) for
government and property managers etc... to accept your bid used to be 5
million, but some have recently started asking 10.
It's an extra $300 per year. Justifiable, but irritating. *sigh* The insurance company I use knocked my bid back. They said I'm overpriced. I laughed. Cheers, Allen |
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carpetologist
The Great Hardini
Hocus Pocus Joined: 20/January/2004 Location: Canada Status: Offline Points: 1712 |
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Posted: 03/July/2004 at 5:28pm |
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It's the old 80-20 principal. I will bet my bottom dollar that 80% of Toronto carpet cleaners do not have insurance. Now for the 20% that do what a wonderful opportunity to plasticise your policy and show it to every potential customer. Play it up and mention that maybe the guy who gave them that low, low, low quote just may not have insurance. Plant the seed. WHAT A SALES TOOL. Edited by Carpetologist |
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doug
King of the One Liners
Just My opinion Joined: 31/January/2004 Status: Offline Points: 32711 |
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Posted: 10/July/2004 at 1:30pm |
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Does anyone happen to have a Polution Ryder on with their General Liability insurance and if so who is it with?
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doug
King of the One Liners
Just My opinion Joined: 31/January/2004 Status: Offline Points: 32711 |
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Posted: 31/August/2004 at 4:29pm |
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This is a followup to my orignal post regarding a customer's injury. Here is the proper proceedures to follow when claening in someone's home according to Royal Sun Alliance 1) Signs and cones placed in around work area. 2) Door areas must be taped off as to make sure nop one enters or leaves work area. 3) Homeowner must be kept advised at all times where you are working. 4) You are responsible till carpet is completely dry. 5) Homeowner should sign that you have explained your cleaning system to them regardless how many times you have been there. As you can see I hope no one else has a situation like this happen. By the way the Royal was my insurance carrier. It looks like like the homeowner is good for around 30 to 40 thousand just to close the claim. Because of privacey laws I am not allowed to see what they said. Go fugure. I d |
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surroundings
Journeyman
Joined: 27/June/2004 Location: Australia Status: Offline Points: 243 |
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Posted: 31/August/2004 at 6:17pm |
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doug,
not impressed. I think I'll see what the situation is around here before that research is forced on my. -allen |
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doug
King of the One Liners
Just My opinion Joined: 31/January/2004 Status: Offline Points: 32711 |
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Posted: 31/August/2004 at 6:42pm |
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Allen: The great thing about this is these people are in their 60's and the husband is already on a disiabilty. I worked with the man in the earily 70"s, been a friend since then and done their cleaning since the mid 80's so one never knows just who is going to stick it to you.
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MR. STEAMER
True Patriot
Only in the GTA Joined: 03/March/2004 Location: Canada Status: Offline Points: 14549 |
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Posted: 31/August/2004 at 10:46pm |
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You have a leg to stand on if it happens inside their home... I've been there
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doug
King of the One Liners
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Posted: 01/September/2004 at 9:57am |
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Mr. Steamer: It is not my decision. If the company can cashout they don't care.
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carpetologist
The Great Hardini
Hocus Pocus Joined: 20/January/2004 Location: Canada Status: Offline Points: 1712 |
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Posted: 01/September/2004 at 2:29pm |
Doug, Thanks for the tip regarding wet floor signs and cones for insurance reasons. I have made a deal for a few and offereing them at an introductory price of $13.95 ea.
Not only do they allow you to work in a safer environment but think of the impression you will leave. |
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carpetologist
The Great Hardini
Hocus Pocus Joined: 20/January/2004 Location: Canada Status: Offline Points: 1712 |
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Posted: 03/September/2004 at 3:59pm |
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Is it not interesting that large corporations in the GTA are looking for in many cases an extremely competitive quote and yet they seldom ever ask how long you have been in the business or if you have insurance. And usually the lowest bidder generally has no insurance. This is one of the reasons he can quote so low. |
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doug wrote:
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