Clean It Up

UK Window Cleaning Forum => Window Cleaning Forum => Topic started by: Rob Knapman on January 03, 2013, 07:51:20 pm

Title: Public Liability
Post by: Rob Knapman on January 03, 2013, 07:51:20 pm
Just wondering what everyone else is covered for, mine is 2 million which has been fine for years, was approached by NewLook today and they requested 5 million cover...seems a bit excessive??
Title: Re: Public Liability
Post by: Window Washers on January 03, 2013, 07:54:13 pm
have had 5 million for years, two million is nothing these days, may upgrade that on renewal too
Title: Re: Public Liability
Post by: Gav Camm lammy 283 on January 03, 2013, 08:00:19 pm
Have to agree 2 million is nothing
Iv had 5 mill for over 4 yrs
Was thinking of upping mine to 10 mill
Title: Re: Public Liability
Post by: R.C Property on January 03, 2013, 10:51:38 pm
Had 5 million for a bit now, most larger commercials are asking for it nowadays,

Thank the suing world we live in!!!
Title: Re: Public Liability
Post by: Rob Knapman on January 04, 2013, 08:19:00 am
Aye, compensation culture and all that....just curious, customers/contractors have asked to see proof of P/L, but never had any figure specified...will look into it, cheers ;D
Title: Re: Public Liability
Post by: colin purewater on January 04, 2013, 10:21:55 am
Have to agree 2 million is nothing
Iv had 5 mill for over 4 yrs
Was thinking of upping mine to 10 mill
Is that just to cover your collection of northern soul Gav  8)
Title: Re: Public Liability
Post by: TomCrowther on January 04, 2013, 12:33:29 pm
5 mil seems to be the minimum these days. I don't think the difference in cost between 2 and 5 mil cover is that great.
Title: Re: Public Liability
Post by: Ian Rochester on January 04, 2013, 12:39:38 pm
Agree, £5M is what most large businesses are asking for, the addition on the premium should not be a great deal different.
Title: Re: Public Liability
Post by: Rob Knapman on January 04, 2013, 12:47:07 pm
Just called them, jumps from £140 to £230...
Title: Re: Public Liability
Post by: Mike #1 on January 05, 2013, 08:21:20 am
Should not be as expensive as that i payed about £120 last year for 5 mill not including damage to property worked upon . Mike
Title: Re: Public Liability
Post by: Window Washers on January 05, 2013, 10:46:29 am
Just called them, jumps from £140 to £230...
wish mine was that low
Title: Re: Public Liability
Post by: R.C Property on January 05, 2013, 10:49:56 am
Just called them, jumps from £140 to £230...
wish mine was that low

But you got employers insurance too tho! That puts it up alot
Title: Re: Public Liability
Post by: Rob Knapman on January 05, 2013, 10:52:49 am
Just called them, jumps from £140 to £230...
wish mine was that low

But you got employers insurance too tho! That puts it up alot
Mine is straight P/l insurance for 2 workers, no employers liability.
Title: Re: Public Liability
Post by: R.C Property on January 05, 2013, 10:55:45 am
Just called them, jumps from £140 to £230...
wish mine was that low

But you got employers insurance too tho! That puts it up alot
Mine is straight P/l insurance for 2 workers, no employers liability.

So you have public liability for 2guys but no employers liability for the other worker??
Title: Re: Public Liability
Post by: Rob Knapman on January 05, 2013, 10:56:48 am
So you have public liability for 2guys but no employers liability for the other worker??


Yes, the other worker is a partner, so I have no employees.
Title: Re: Public Liability
Post by: Window Washers on January 05, 2013, 10:58:25 am
Just called them, jumps from £140 to £230...
wish mine was that low

But you got employers insurance too tho! That puts it up alot
Mine is straight P/l insurance for 2 workers, no employers liability.
why no employers you have that seperate ?