Clean It Up
UK Window Cleaning Forum => Window Cleaning Forum => Topic started by: P @ F on August 23, 2005, 07:52:22 pm
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Probably gonna get slated for this but i dont have any insurances , it was only meant to be the case for a little while , while i saw if wc was my thing , and now i know its for me , especially since gettin the wfp , i think its time i did the right thing , i dont have a clue what i need , or how much i expect to pay ?
Can anybody give me the info i need ?
I WANNA BE A GOOD BOY ! ! ???
Rich P @ F
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I started and went without insurance for about 4 years ( never realised that you had to have any) until I joined the fed and relised how lucky I'd been, having said that when I started people did'nt make claimes against some one for tripping over the weeds on the foot path,
I'm sure you'll get loads of replys to this thread won't recomend mine as they are expensive waiting for renewal time to sort out so I'll be whatching the reply,s as well
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But can you give us an idea of rough cost , till i get the replies ?
Cheers Rich P @ F
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Mine was £110 for 1 million last month, got £22 back though for having 2 years experiance 10 years ago :o
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Try this link
http://www.insuranceservices.co.uk/
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hi,
Just extending my services to include window cleaning.
I got a quote for P/L £75 for the year. Thats up to a millon.
Hope this helps.
Rob.
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Told you mine was expensive 2 mill for £260 (bandits)
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Just got a quote from the above hyperlink and £75 is all it was !
So jobs a goodun !
Is there any other cover i need ?
Rich P @ F
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Do you employ anyone if so employers liability is needed by law
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NO JUST ME , THATS THE WAY I LIKE IT ,
RICH P @ F
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You could try sickness/injury insurance. Sorry don't have a link though.
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YEH , TELL ME ABOUT THAT NONSENSE , I JUST SPLIT THE CARTLIDGE IN MY LEG AND ROTATED IT 180 * , I DIDNT HAVE ANY COVER AT THE TIME SO WHILE I WAS OFF SICK I THOUGHT I WOULD GET SOME QUOTES , HAD ONE GUY COME ROUND PROMISING ME THE WORLD , WHEN THE POLICY CAME IT TURNS OUT THAT THE PAYMENTS ARE DEFERRED FOR THE 1st MONTH AND THEN PAID 1 MONTH IN ARREARS ! , NO MONEY FOR TWO MONTHS WHATS THE POINT OF THAT !
RICH p @ f
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I do not like this thread
P/L insurance for under a £100.
Try Northern Ireland If you get under £1000 you are doing well >:(
A very depresssed window cleaner
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Try these,
insuranceservices.co.uk.
it was £72 for 1 million. It went to about £350 for 5 million.
It was for basic one-person personal liability and it was the cheapest I could find (which doesn't always mean the best). The true test of an insurance policy is when you're forced to claim on it.
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I do not like this thread
P/L insurance for under a £100.
Try Northern Ireland If you get under £1000 you are doing well >:(
A very depresssed window cleaner
ALL insurances are expensive in Northern Ireland. I remember as a squaddie, for car insurance, we could claim the difference back between a quote from Central London and Northern Ireland (NI being the more expensive).
It's 'The Troubles' you see. It makes you more likely to drop your ladders by accident onto a customers car.
Have you shopped around?
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While I think you'd be nuts not to have public liability and most commercial customers want to see evidence of it, I don't think it is legally mandatory (like car insurance is) for a self employed one-man band.
True/False?
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i think thats true unless you are a registared company, but im not 100% sure
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I have 5 million cover for £125.
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It true that you don't legally need public liability insurance, but if someone has a accident then the costs involved will run into thousands, this can still be the case when you are not at fault.
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I have 5 million cover for £125.
Hey, that is very good. What company do you use? Mine's up for renewal next month, although I don't require that level now; but I might ask them for a quote.
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While I think you'd be nuts not to have public liability and most commercial customers want to see evidence of it,
True/False?
i think that is rubbish ,with half of my work being commercial i have NEVER been asked for my p/l insurance .i clean 2 schools a nursery .4 large ,nursing homes ,doctors surgery ,council buildings ,dentist ,shops ,a camp site ,etc .
also NEVER been asked for method statements,risk assessments,etc .
or been asked about my working practices i.e. ladders .and i dont even have a van or uniform .the customers are just not interested.
when i went to quote the above camp site .i got out my file to show my creddentials ,and before i got to show them ,he just said ,"but can you clean windows".
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While I think you'd be nuts not to have public liability and most commercial customers want to see evidence of it,
True/False?
i think that is rubbish ,with half of my work being commercial i have NEVER been asked for my p/l insurance .i clean 2 schools a nursery .4 large ,nursing homes ,doctors surgery ,council buildings ,dentist ,shops ,a camp site ,etc .
Well, thank you for your opinion! ;D
The point I was making was that I didn't think it was a LEGAL requirement to have P/L insurance -
how about if I modify it to "SOME commercial customers" to make the statement accurate.
As to whether it's sensible to have P/L insurance is another matter.
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sorry the first half of your statement is 100% accurate
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While I think you'd be nuts not to have public liability and most commercial customers want to see evidence of it,
True/False?
i think that is rubbish ,with half of my work being commercial i have NEVER been asked for my p/l insurance .i clean 2 schools a nursery .4 large ,nursing homes ,doctors surgery ,council buildings ,dentist ,shops ,a camp site ,etc .
also NEVER been asked for method statements,risk assessments,etc .
or been asked about my working practices i.e. ladders .and i dont even have a van or uniform .the customers are just not interested.
when i went to quote the above camp site .i got out my file to show my creddentials ,and before i got to show them ,he just said ,"but can you clean windows".
I don't have very much commercial work. None of my commercial customers have ever asked me for the above info either. I clean some nursery schools, a doctor's surgery, a factory, an acupuncturist training centre, an office and some guest houses. I have only once ever been asked if I have insurance and that was for a largish (by my standards) office block that I cleaned until some years ago (off a ladder incidentally). They just took my word for it that I had insurance.
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£5 million = £172 with MMA
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I have 5 million cover for £125.
Hey, that is very good. What company do you use? Mine's up for renewal next month, although I don't require that level now; but I might ask them for a quote.
http://www.yourinsurance.co.uk/
Are the brokers.
Though i didn't go through them. I googled and found a link that compared P/L insurance. Filled out the details and up came a list.
They originally quoted me about £147 which was the cheapest by far that i found.
I did this about a month before my insurance was up and a couple of weeks later i got a call from them asking me if i was interested.
I told them i was but i couldn't afford to buy it at the moment unless they did instalments. (They only do it for more than £200 they told me.)
He asked me to wait, came back on and said that the quote had dropped to £125.61 and (the quote) was valid for a month. Bonus!! I took it out a week later.
I have only had 1 years P/L before paying £174 for 1 million for me and my ex.