Diversity A TrustMark Scheme Operator
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1 Diversity A TrustMark Scheme Operator TrustMark Membership Services & Insurance Backed Guarantee (IBG) Cover for HIA s Presentation by Mark Cass Diversity Business Development Director TrustMark Workshops Birmingham Feb 24 th 2015 London Feb 25 th 2015 Leeds Feb 26 th 2015
2 TrustMark s Value to HIA s TrustMark is the only Government endorsed trade accreditation scheme Extra benefit to your commissioners by adding further assurance to their HIA Contract Provides quality trades & compliance with Government consumer legislation. Insurance Backed Guarantee Added protection for your customers Increased Validation and Compliance Checks for your list of Contractors. Includes onsite, independent inspections from industry professionals. A stringent application process comprising checks on a contractor s: - Financial Status including trading history & credit rating. - Insurance Provision - Public & Employers liability cover. - Customer Care and Service Standards. - Good Health and Safety Practices.
3 TrustMark s Value to HIA s cont d Marketing Benefits - Brand Association, Competitive Advantage, IBG works provided come with an IBG. New Business / lead referrals 753,000 website search listings, Jan Increased access to the local able to pay market. - Greater exposure to vulnerable people who maybe unaware of your services. Perfect fit for HIA domestic works. - TrustMark s ethos of combining quality trade professionals with customer care and service standards is ideally suited to the provision of consumer facing domestic works. - TrustMarked trades are naturally suited to the provision of HIA domestic works. Greater Peace of mind for you and your customers should things go wrong. - Scheme Operator customer complaints and dispute resolution service - Insurance Backed Guarantee. Protection should a registered firm cease trading in regard to pre-payments, deposits, work in progress and, for two years post completion, for workmanship.
4 Diversity A TrustMark Scheme Operator Multi-Trade Licensed Scheme Operator working within the construction and RMI (repair maintenance & improvement) sectors. Provider of TrustMark Membership Services to HIA s and their associated contractors. Our Services include: Management of Contractor lists TrustMark Application processing and assistance TrustMark Membership ongoing services Monitoring of Govt legislation and TrustMark Core Criteria Customer complaints and dispute resolution Insurance Provision Insurance Backed Guarantee (IBG)
5 Foundations & TrustMark Foundations wish to ensure that the HIA sector is at the forefront in promoting the new enhanced customer care standards brought by the Government s Consumer Rights Legislation. TrustMark has made changes to its Core Criteria to reflect the new legislation and it s enhanced customer care standards. Foundations key messages to HIA members: - Non TrustMark members to become TrustMark Members - Existing TrustMark members to ensure they re complicit with TrustMark s new Core Criteria.
6 Changes to the Core Criteria There are tw0 key changes effecting HIA members. 1. Contractors are to become TrustMark registered. Contractors working on behalf of a HIA, and under their TrustMark membership banner, are to become independently registered TrustMark members. 2. Insurance Insurance Backed Guarantees (IBG s) are to be provided for works in excess of 500 Ex VAT in value. - Currently optional - Anticipated to become mandatory as of July, 2015.
7 The Insurance Backed Guarantee (IBG). TrustMark s Objectives. To ensure that consumers have adequate protection available should a registered Firm cease trading in regard to prepayments, deposits, work in progress and, for two years post completion, for workmanship. Claims relating to materials used will be subject to the manufacturer s guarantee and all consumer statutory rights. TrustMark Core Criteria, p16 Section 8, Insurance Protection, April 2014.
8 IBG Cover What s Required for TrustMark Members? Protection should a registered firm cease trading. Areas of cover include: - Pre-payments & deposits. - Work in progress - Rectification of defects or major damage, including non compliance with Building Regulations. - For 2 years post completion, for workmanship Claims relating to the materials used would be subject to the manufacturers guarantee.
9 Diversity s IBG Low Cost Insurance Premiums 2 years cover from only Ex VAT 100% TrustMark Compliant Nothing more, nothing less. Bespoke insurance premiums for HIA s based on work type and contract value keeping premium costs low. Not a one size fits all approach lowers wastage, reducing the cost of cover e.g. external wall coatings & conservatory installs have their own premiums. No administration fees.
10 Diversity s HIA Insurance Backed Guarantees (IBG s) Minor Works HIA Handymen / Domestic Maintenance Scheme. Domestic maintenance contracts, also includes painters and decorators. Works where NO prepayments, deposits, or stage payments are taken. 2 years cover excluding deposit & prepayment cover. Cost = ex VAT. Contract Value (ex vat) 0-5,000. Major Adaptations HIA Tradesmen Scheme. Includes: Roofing, Electrical, Plumbing, & General Building works. 2 years cover including deposit & prepayment cover. Cost = ex VAT. Contract Value (ex vat) 0-15,000. NB: Next contract value option 15,001-30,000 = 28.09
11 Diversity s IBG The Bigger Picture Keep Quotes Competitive. Our low costing insurance premiums ensure quotes remain competitive. Your ability to win business is not inhibited by the cost of insurance. Ensure Grant Funds / Budgets Go Further Whoever picks up the cost of the IBG Commissioner, HIA, Contractor or Homeowner Higher costing insurance premiums eat into available funds/budgets. 3 Budgetary scenarios (based on 1000 jobs per annum): 1. Diversity s Minor Works IBG Premium x 1,000 = 13,730 Ex VAT 2. Diversity s Major Adaptations IBG Premium x 1,000 = 19,080 Ex VAT 3. Supplier X IBG Premium x 1,000 = 40,000 Ex VAT
12 Diversity s IBG The Bigger Picture Less Cost to the Homeowner. HIA customers: largely the elderly and/or vulnerable. Consumer groups with low levels of disposable income. HIA Corporate Agenda Duty of Care. Social Responsibility - Diversity s low cost IBG = Low cost / High value services. - Helps fulfil Commissioner / HIA service requirements - value - Increased consumer protection for the homeowner Let s not forget the reason why the IBG is being implemented It s all about complying with Government Consumer Legislation and raising the bar on consumer protection.this has got to be a good thing for the vulnerable and the elderly.
13 Summary Why Choose Diversity s IBG? Low Cost insurance premiums - Quotes remain competitive - Grant monies / budgets go further - Less cost to the elderly & vulnerable. - Increased protection for the homeowner Low Premiums = Value for money Cover for 2-10 years subject to premium required. Low Wastage - Bespoke premiums. Not a one size fits all policy. No administration fees Fully compliant with TrustMark s Core Criteria.
14 Diversity TrustMark The Total Insurance Cover The Total Insurance provision of works installed by a TrustMark registered trade professional doesn t solely include the IBG cover. In addition to IBG cover TrustMark registered members are duty bound to provide Public Liability and Employers Liability insurance. Total mix of insurance, as required by all TrustMark registered trade professionals, enables extensive insurance cover for to the householder. Specifically, Diversity TrustMark members must provide: Insurance Diversity IBG (currently optional) Employers Liability Public Liability Amount of Cover As per Contract Value 1 million min. 5 million min.
15 Why Diversity? Quality Assured The Industry s only ISO9001 accredited Multi-License Scheme Operator: Compliance with Local Authority/HIA preferred ISO9001 supplier procurement framework credentials. Quality Assured TrustMark Membership Services. Accredited to comply with TrustMark processes Implement and maintain a quality management system;iso9001;2008 as a minimum, or equivalent TrustMark Core Criteria, Scheme Operator Responsibilities sectn 7 p7, April 2014.
16 Why Diversity? Experts in our Field Diversity develops and writes TrustMark standards. We wrote the Handyman standard for TrustMark in conjunction with Foundations. Diversity has over 40 professional assessors in the field to support scheme operators in their TrustMark compliance. Diversity has worked closely with the insurance industry to develop tailored insurance solutions. We continually monitor changes in legislation and ensure you get feedback and appropriate compliance where required. We provide TrustMark membership services to thousands of UK members ranging from sole traders to large construction sector brands including:
17 Diversity TrustMark Pricing TrustMark Membership Cost Ex VAT TrustMark Membership Application Fee ( 130 Waived)* 130 *Offer available to event delegates only Initial Inspection Fee (subject to status). TrustMark Annual License Fee 40 Diversity TrustMark Annual Membership Services Fee Membership Support Services Include: Monitoring of legislation ensuring members are fully compliant Handling of complaints Member support against any claims Member inquiries Membership administration 110 Diversity TrustMark Annual Membership Fee 150 Insurance Backed Guarantee Scheme Prices Cost Ex VAT HIA Domestic Maintenance Scheme 2 years cover HIA Tradesman Scheme 2 years cover Insurance Administration Fee (Waived) -
18 To Summarize - Why Diversity? Quality Assured - the only ISO9001 accredited TrustMark Multi-license Scheme Operator Experts in our Field we wrote the Handyman standard for TrustMark in conjunction with Foundations. Low Cost Insurance Cover - 2 years IBG cover from only No Insurance Administration Fees - Bespoke Insurance Premiums for HIAs low wastage. TrustMark Membership TrustMark Annual Membership 150 TrustMark Membership Application Fee ( 130 waived)* * Offer available to event delegates only Total Service Solution, designed to be flexible, low cost and to meet your TrustMark membership needs
19 THANK YOU For further information please contact: Mark Cass / mark@diversity-nottm.co.uk Diversity Creative Marketing Solutions Ltd, December 2013 The information, data, images, concepts or designs contained within this presentation cannot be used, copied or passed to a third party for whatever reason without the written authorisation of Diversity or until ownership passes to you under our terms of business. Intellectual property will remain with Diversity unless otherwise contractually agreed.
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