Gaza, Tosh didn't lose it, he let it go
Way too much hassle for too little money.
It's one of those jobs where they go for the most competetive price and when you do get it you have to keep chasing for your money
The loser in the end is the Hotel as they can never keep a window cleaner for more than a few months.
Employers liability is a real crippler for small turnover businesses such as window cleaners.
Public Liability is still relatively cheap (and not a
legal requirement) and for around or below a £100 you can get cover for a million or so.
Why on earth larger companies insist on you having cover for as much as 5 million truly perplexes me
Just how is a situation going to occur when a claim of that size will be made against you?
The circumstances would have to be pretty unusual to say the least, and we are talking about normal window cleaning here, not work being done at excessive heghts or unique circumstances.
I understand that Employers Liability will be more expensive, it covers you in the event of claims made against you by those you employ, you know, the, "I hurt my back because I was asked to work in windy conditions and the wind made me lose control of my ladder/pole (whatever) and 'claimsomewonga.com' got me £10,000 in compensation."
But just why it is so horrendously so expensive beats me, though of course the compensation and blame culture we now live is a major factor in that I know.
But it doesn't seem to take in the real chances of a claim occuring inside the specific parameters of our trade, and in particular if you are a WFP company.
Ultimately we must all shoulder some blame for the skyrocketing prices all insurances, get rear ended in a low speed car accident and there is at least a grand of 'compo' waiting for you, and unfortunately there are few that don't claim it, even when they don't deserve it.
Mind how you go.
Ian
