Clean It Up
UK Window Cleaning Forum => Window Cleaning Forum => Topic started by: Ian101 on June 04, 2010, 06:20:34 pm
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I know I should have it and I will be getting it but sounds like its worded not to pay out.
however at £80 cant really say no to it.
does anyone on here not bother with it ??
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you need it by law
it also helps if you start going for contract work
I always send a copy of mine in with a quote just to make us look a little more professional
shop around for the best deal
I deal with blackfriars not had any problems as yet but not had to claim !
Andy
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a lot of public liability insurances exclude damage to the building you are working on,namily glass.
any body got cover for glass, in with their public liability?
daz
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Just re-newed our Public Liability Insurance with Allied Insurance (Sponsor link below). They cover the property you are working on. The cost was actually a little lower than our previous insurance which did not cover the property working on.
They also covered us for pressure cleaning so overall we are happy.
Obviously, you never really know how good your insurance is until you need it, but lady I spoke to was very helpful and answered all my questions and so got my business.
Steve G
P.S I don't think you actually need Public Liability insurance by law, however, if you have employees you must have employers liability insurance by law,
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window cleaners dont need it by law, but it is handy to have just dont get the insurance mixed up with what they cover
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sorry guys but in the event your pole or ladder was to fall on someone head and you were not insured you could lose eveything you have in a claim against you
I supose a chance you take ?
I stand corrected it is not needed by law just had a quick check :-[
Andy
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I know I should have it and I will be getting it but sounds like its worded not to pay out.
however at £80 cant really say no to it.
does anyone on here not bother with it ??
ian insured risks .com m8 quite cheap a mill for bout 62quid m8
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a lot of public liability insurances exclude damage to the building you are working on,namily glass.
any body got cover for glass, in with their public liability?
daz
I have the extra cover.
You can buy PL insurance that covers the property (i.e. item) being worked upon. However, the policy costs a lot more and the compulsory excess is generally much higher. This is probably because a claim is more likely.
I imagine that I could get very cheap insurance to cover me against a satellite falling on my head without any excess at all.
Yes. I am cynical about insurers. :)
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i think most 1 man startups dont bother to start with.im 2years in and no insurance still. i remember before i started i thought long and hard about what were the claim risks for me doing trad work only. i was a car mechanic previously with a workshop and operated many years not allowing any customer to set foot through the workshop gate -reducing any public liability risk.
in this trad game i see very little risk of a claim ,if i keep my head screwed on . a lot depends if you are or have ever been clumsy ,be honest if you are "goofy" in which case you defo need to spend wads on insurance . i see the main risk being my ladder blowing down onto a car/ when im not near it and ive now got a small bungee line to clip to top of my ladder onto gutter or whatever on windy days. Another thing i never talk to a customer when actualy cleaning, ignore their voice and then they automatically stay indoors (dont want them looking up,or being near me (risk) .i leave any banter till after my ladders are back at my van . take the customer/public out of the equation as much as possible.
as it happens i dont do any ladderwork on high streets /public footpaths but if i did,id buy one of those warning things that trucks have,that shout out "danger ,vehicle reversing" but get it modified to say danger ,watch out ,back away
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Most public liability insurance has so many exclusions that its hardly worth having. Typically most have a £500 excess which stuffs most breakages and exclude anything involving ladders.
Buy it by all means but be aware its hardly worth the paper its written on.
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I know I should have it and I will be getting it but sounds like its worded not to pay out.
however at £80 cant really say no to it.
does anyone on here not bother with it ??
ian insured risks .com m8 quite cheap a mill for bout 62quid m8
Cheers M8
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sorry guys but in the event your pole or ladder was to fall on someone head and you were not insured you could lose eveything you have in a claim against you
I supose a chance you take ?
I stand corrected it is not needed by law just had a quick check :-[
Andy
Andy H&SE would have you before any lawyers, because you should cordon off the area worked on to prevent your pole from hitting the public.
Matt
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ive got 5 million cover plus cover for the property im working on plus working off my ladder for access or gutter work for a small amount of time, i pay just over £150
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In Scotland it is required by law, pretty sure it's different down south.
Being in Scotland I have always had it. Needed it for the first time this year, dropped a ladder on a car.
I would advise that you get it. Make sure you get one that covers damage to windows as most don't.
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I looked into getting it with cover for glass being worked on, The excesses were all around £500, would have to be a major piece of glass to cost that, So decided to just get basic PL insurance and save me money.
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In Scotland it is required by law, pretty sure it's different down south.
Being in Scotland I have always had it. Needed it for the first time this year, dropped a ladder on a car.
I would advise that you get it. Make sure you get one that covers damage to windows as most don't.
Is the legal requirement in Scotland a direct law or does it go something like:-
Window cleaners in Scotland require a license. To get the license they must have PL cover?
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I looked into getting it with cover for glass being worked on, The excesses were all around £500, would have to be a major piece of glass to cost that, So decided to just get basic PL insurance and save me money.
As suggested in another recent post what if you are accused of damaging all the windows in a house?
Haven't you noticed that on alot of new estates, most of the windows are scratched?
What if you get accused for an entire street?
Granted it could never be proven it was you, but if you were insured for it; not your problem.
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In Scotland it is required by law, pretty sure it's different down south.
Being in Scotland I have always had it. Needed it for the first time this year, dropped a ladder on a car.
I would advise that you get it. Make sure you get one that covers damage to windows as most don't.
Is the legal requirement in Scotland a direct law or does it go something like:-
Window cleaners in Scotland require a license. To get the license they must have PL cover?
It is a term for the license.
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OK fellas lets start naming names here, good and bad companies and how to contact them if its a recommendation.
I was with Insured Risks and their policy was cheap but very basic, lots of exemptions including glass being worked on and anything remotely involving ladders. Plus a big £500 excess.
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Yes i have public liability insurance and you need it for working inside town centres that are enclosed as i think it was silly as you clean these before it is open to the public (before 8a.m).
But there again to do the inside of the shop you do have to go back when shop is open. So i assume this why our town centre demands that you have P.L.I.