Multi-Trade Insurance Companies

[scoobysoo]

Hi
I'm currently insured with Direct Line for my business as a photographer and cake maker, and need to add children's entertainer to my policy but they don't cover that trade. They said I need to find one insurer who can cover all 3 trades and I'm stumped. Called Simply Business who quoted £142 which is over £90 more than I currently pay and I'm struggling to find any more info online without having to ring round all the companies which is costing an arm any leg. Does anyone know any insurance companies that could help?
Many thanks
Soo

[EDDIE51]

I would think 'childrens entertainer' would be a lot 'higher risk' than a photographer and cake maker so the insurance will be a lot more. For example 'childrens entertainer ' could involve risk of injury to a child with the possibility of being sued for £100.000s . You would be better 'childrens entertainer' could be almost anything from an acrobat to a magician to a singer/ musician.

[EDDIE51]

sorry lost a sentence there.
''You would be better to specify exactly what you are going to do, 'childrens entertainer could be almost anything ' >>>

[scoobysoo]

The things is it's only balloon modelling and face painting but I apparently have to be classified as a children's entertainer. Just wondering if there were any good insurance companies that do multitrade insurance for a wee bit cheaper. I haven't even heard of Finsbury which is the company Simply Business came up with

[EDDIE51]

You might be better off with 2 separate policies, there are 100s of balloon modellers and face painters. Then again face painting does involve actual physical contact with a child so I still think insurance for that will be more expensive than cake making , photography and balloon modeling which involve no contact.
Try looking for insurance as a face painter and see how much that is on it's own.

[EDDIE51]

Try an insurance broker , they do all types of insurance not just car and household .

[scoobysoo]

Thanks but they said I'm not allowed 2 different insurers

[boxtops]

why don't you go to a broker? you might have to pay them a fee, but they'd do the legwork for you.

[EDDIE51]

Yes , but still go to a broker and explain what you need, that is why they are there , to find you the best insurance deal without having to do the leg work.
You are going to be claiming the insurance back as expenses anyway so a few £s more will not make a difference. But I still say it is the face painting part that will push the premium up.

[scoobysoo]

It was a broker that I used...

[Gizmonster]

Try Groupama, that's who I use for my PL insurance (I'm a window cleaner).
.
https://www.groupama.co.uk/policyholder
.
They're in the process of being taken over by Ageas, but this won't affect things, like taking new policies out, etc, as I've had a letter telling me that my policy will be switched to Ageas.

[EDDIE51]

As I said , in view of the fact that face painting will be seen as a lot higher risk, (possibility of a claim for allergic reaction to the paint or injury to a child,) the premium seems reasonable £142 a year is less than £3 a week.

[scoobysoo]

Thanks. Yes, I agree that £142 does seem reasonable and if my current insurance wasn't only £50 I probably wouldn't have even batted an eyelid. It makes sense that the premium is higher after working with children is added. I will look at that link thank you :)

[bednobs]

i think the user JOKO does some childrens face painting - perhaps you could do an FAO

[spudqueen]

I don't know if they can help, but the Post Office do business insurance, and they do cover an awful lot of businesses. You can fill in this form so it won't cost you anything to contact them http://www.postoffice.co.uk/business-insurance-enquiry