[JasonP]

hey everyone, ive been offered a contract with a local letting agent for end of tenancy cleans, but they have asked to see my liability insurance and indemnity insurance... i have £1m liability insurance and key cover, but never even heard of indemnity insurance!! Rang my insurance company and they said they couldnt quote me on indemnity insurance as i dont need it....... help! i'm confused!! do i need it or not??? has anyone else got it??

[Alan McTernan]

Got this from the Business Link website:

Professional indemnity insurance
If you are in the business of selling your knowledge or skills, you may want to consider taking out professional indemnity (PI) insurance.

What you will be covered for
PI insurance protects your business against claims for loss or damage by a client or a third party if you have made mistakes or are found to have been negligent in some or all of the services that you provide for them. PI insurance will also cover legal costs.

Many professions are required to have PI insurance cover as a regulatory requirement or as a result of their professional authorisation. This includes solicitors, accountants, architects, mortgage intermediaries, insurance brokers and financial advisers. Many consultants, advertising and PR agencies, and designers also choose to have this type of insurance.

[dianegreenwood]

I'm sure they just mean your public and employee liability insurance and your general insurance that covers you for damage, theft, key loss, etc.

Professional Indemnity insurance is available to those in a 'profession' such as lawyers, accountants etc whose professional knowledge needs to be guaranteed.

Cheers

Diane

www.freshlymaid.co.uk

[Andy Foster]

Unless you are advising them on things then you don't need professional indemnity insurance.
If you have employees then you will need employers liability insurance, if not then you don't need this either.
£5m public liability is what they normally demand, but some will accept £1m.

[ryan mca]

 Might be treatment risk they are after as p/l insurance does not cover
the item your working on. Carpet cleaning being an example

[JasonP]

Cheers for the advice guys, turned out my insurance already included indemnity, but also managed to get key cover while i was on the phone! 

[Daria Taylor]

I'm really confused guys and i urgently need your help, well basically we have had insurance far ages and now came to renew it and look through couple of things.

We have both Employers and Public but i have spoke to the insurance broker today and he said that our insurance doesnt cover us for damage i.e if we cause any damage to the property it does not cover us for that. He said if i wanted that sort of insurance i need to look for seperate insurance.

Can anyone here tell me whats included in their insurance and roughly how much they pay and wh are they with? I mean I thought damage was included in all insurance policies under the public liability.

regards
daria taylor

[JasonP]

my insurance is £1m public liabilty which states

' Legal liabilty for accidental injury, illness, mental injury, mental anguish or diesease to any member of the public and physical loss or damage to their property occuring during the Period of Insurance'

'Legal costs incurred with written consent of insurer'

' £1m Indemnity insurance'

This policy cover me to do interior cleaning, window cleaning, both trad. and WFP, and also property maintenance. And also incudes Boomerang key cover.

The price is £132.35 a year.

Hope this helps

[cleaning-team]

We have treatment risk and damage to goods being worked on insurance - public liability typically only applies to people I think/

[Daria Taylor]

my insurance is £1m public liabilty which states

' Legal liabilty for accidental injury, illness, mental injury, mental anguish or diesease to any member of the public and physical loss or damage to their property occuring during the Period of Insurance'

'Legal costs incurred with written consent of insurer'

' £1m Indemnity insurance'

This policy cover me to do interior cleaning, window cleaning, both trad. and WFP, and also property maintenance. And also incudes Boomerang key cover.

The price is £132.35 a year.

Hope this helps

who are you with?

dash t

[Daria Taylor]

We have treatment risk and damage to goods being worked on insurance - public liability typically only applies to people I think/

whats the exact name for insurance and who's your insurer?

regards
dash t

[Daria Taylor]

My public liability says

"We will indemnify You against all sums that You
become legally liable to pay as Compensation and
Costs and Expenses as a result of accidental
(a) Injury to any person
(b) Damage to material property
(c) Obstruction trespass nuisance or interference
with any right of way air or light or water or
other easement
(d) Wrongful arrest malicious prosecution detention
imprisonment eviction or invasion of the right of
privacy of any person (not being an Employee)
occurring within the Territorial Limits during the
Period of Insurance and happening in the course of
the Business"

But then in the "whats not covered" section it says this:

in respect of
(a) Damage to any Products Supplied
(b) all costs of or arising from the need for
making good, removal, repair, rectification,
replacement or recall of
(i) any Products Supplied
(ii) any defective work or incorrect
workmanship by You or on Your behalf
Other Than in respect of Damage if such
Damage is caused by or arising from
(a) any alteration, repair or servicing work
executed
(b) any Products Supplied



So this is very confusing, as i understand from this post i now need to get another insurance which will cover me for damage?

regards
dash t

[Andy Foster]

My public liability says

"We will indemnify You against all sums that You
become legally liable to pay as Compensation and
Costs and Expenses as a result of accidental
(a) Injury to any person
(b) Damage to material property
(c) Obstruction trespass nuisance or interference
with any right of way air or light or water or
other easement
(d) Wrongful arrest malicious prosecution detention
imprisonment eviction or invasion of the right of
privacy of any person (not being an Employee)
occurring within the Territorial Limits during the
Period of Insurance and happening in the course of
the Business"

But then in the "whats not covered" section it says this:

in respect of
(a) Damage to any Products Supplied
(b) all costs of or arising from the need for
making good, removal, repair, rectification,
replacement or recall of
(i) any Products Supplied
(ii) any defective work or incorrect
workmanship by You or on Your behalf
Other Than in respect of Damage if such
Damage is caused by or arising from
(a) any alteration, repair or servicing work
executed
(b) any Products Supplied



So this is very confusing, as i understand from this post i now need to get another insurance which will cover me for damage?

regards
dash t

You don't need cover for damage to the surrounding property, ONLY the property you are actually working on.

eg - if you are cleaning a carpet and you knock over a vase then the vase is insured, but if you damage the carpet it is not insured.

For this cover, you need 'treatment risk' insurance.

[jasonl]

0800 389 2815  JAMES Harvey at AXA , £32.80 /month for me plus 2 employees,, public and employers liability, including treatment risk.

This is for 5 million employers and 2 million public.

Beware of super cheap policies , there will be some cover not there.

[cleaning-team]

We have treatment risk and damage to goods being worked on insurance - public liability typically only applies to people I think/

whats the exact name for insurance and who's your insurer?

regards
dash t

We are with Amlin and the cpver is described exactly as above.

[traps7]

Thought I'd revive this thread as I've just found out my cover doesn't really suit my needs.
I'm paying £174.75 for the policy details below. I'm a sole trader. There's also an endorsement for gutter cleaning which I've queried with them as it's down as 'guttering and fascia board instalation'. They said that was what I needed if I cleaned gutters with wfp.

My problem is I am supposed to start a 5 storey job next week with a 44' pole. 44' is 13.41 metres and they won't extend the cover from 10 metres. Also it doesnt cover glass and I'm not sure about damage to the property. I use mainly wfp.

I'm thinking my cover is very generalised and not specific enough for my needs.

Has anyone else had this or can recommend someone more specialised without breaking the bank?

Thanks.

[Pristine Clean]

Gee, that insurance is cheap.

How many employees... some insurance cost is based on your anual turnover. Our insurance is somewhere between £1500 - £2000 per year.

but this does cover 10 million both public and employers liability (unlimited number of employee including temporary staff). Key insurance, Risk treatment, window cleaning, carpet cleaning - covers I would say everything including tool theft.

Dave

[Andy Foster]

I think we have discovered why it is so cheap!   

[CLEAN & SHINE NW]

Hi gays ,
Can anyone recommend me a good insurance  company that includes :keys cover, theft ,telephone  misuse?

Thank you all

[Adam P]

bumping this as i'd like to know who people are with and what exactly is recommended.

ours will run out at end of may iirc and all we have is public and employers.

i know we need key loss and should get treatment risk, but wondered what else i should make sure we can get?

is it usually better to get insurance from one company for all these things? one of my biggest concerns is i'll take our insurance next month, then 2 months down the line turns out i start something like window cleaning (don't worry i don't plan to) and need another load of insurance which the company i'm with (atm it's zurich) can't do.

are insurance policies tied into 12 month contracts or can they be cancelled at any point?

[dianegreenwood]

I use a broker local to me: A1 Insurance 01937 581417 - ask for Alan.

He just saved me £500 on my renewal and they are whole of market brokers who will hopefully find you the best deal.

Cheers

Diane

www.freshlymaid.co.uk

[chosker]

We are with GreenCampbellFisk - they are OK and we have about 5-6 insurance claims a year.
In our case the company does cover damage - so long as the cleaner admits to doing it.
In all fairness - over half the insurance claims we get the cleaners will have either called us before the client or admit to it straight away so it goes through fine.
Sometimes the cleaner wont admit it - either because she hasn't done it or maybe because they're scared, I'm not sure. We do get some clients trying it on and we get rid of these pretty quickly - we really don't need scumbags like that!

We had one client sign up with us and after his first week he called us and said his brand new stainless steel kitchen had scratches and scuff marks all over it after the first clean. The cleaner was adament that she hadn't done it. Luckily - we always send someone from the company in first and this person had seen the kitchen and when we called her she informed us that the kitchen had been like that when she visited.
Basically he signed up with us to claim through insurance for something he had already done. The good thing is he paid for three months agency fee and only used one week. He never asked for it back - obviously a bit embarrassed that he got caught out!

Anyway - I digress! Try GreenCampbellFisk if you are a domestic cleaning company!
t/c