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UK Window Cleaning Forum => Window Cleaning Forum => Topic started by: richard jagger on January 28, 2013, 04:47:51 pm

Title: Fully. Insured or so they say
Post by: richard jagger on January 28, 2013, 04:47:51 pm

I have been chatting to a few customer to find out what they think its means.I would be interested what our members of this forum think it means and how this could effect you if this went wrong.If you were cleaning a window and the ladder slipped on some concrete  paving slabs and you" God forbid2 fell through the ground floor window. Hitting the glass with your squeegee braking the glass  and cutting your arm. How would this play out with your insurance you had? I am not trying to catch anyone so feel free to discuss this scenario.There is no right or wrong as we all have different policies.

Title: Re: Fully. Insured or so they say
Post by: AuRavelling79 on January 28, 2013, 05:02:56 pm

Fully insured to me is having third party liability (plus employee liability if employing).

Therefore the custy is indemnified if I or my employee are at fault if damage is done to their property etc while we work at their property.

If my employee injures himself and he has a legitimate claim then he will be paid out.

The above is for the customer's and my employee's protection. If I choose cover for my own injuries or damage to my own tools etc then that is extra.

Title: Re: Fully. Insured or so they say
Post by: richard jagger on January 28, 2013, 05:30:31 pm

Thanks Gold  for your answer you seam to have you insurance under control.

Title: Re: Fully. Insured or so they say
Post by: steve rix on January 28, 2013, 06:54:17 pm

Same as Gold but I have personal accident/sickness cover too. Also have cover for lost customers keys tools etc.

Title: Re: Fully. Insured or so they say
Post by: KS Cleaning on January 28, 2013, 07:22:41 pm

Quote from: Smithie on January 28, 2013, 04:47:51 pm

I have been chatting to a few customer to find out what they think its means.I would be interested what our members of this forum think it means and how this could effect you if this went wrong.If you were cleaning a window and the ladder slipped on some concrete  paving slabs and you" God forbid2 fell through the ground floor window. Hitting the glass with your squeegee braking the glass  and cutting your arm. How would this play out with your insurance you had? I am not trying to catch anyone so feel free to discuss this scenario.There is no right or wrong as we all have different policies.

If this scenario happened to me, I would pay for the damage to glass out of my own pocket if damage was under £300,as my excess is £250.If the injury led to me needing time off work, my accidental injury policy would kick in from day one.

Title: Re: Fully. Insured or so they say
Post by: mark dew on January 28, 2013, 07:39:34 pm

There's many different types of cover but the only cover i really want, is for if someone gets injured due to my negligence. My excess if i damage something is £250.
For business purposes i advertise this to be fully insured.

Title: Re: Fully. Insured or so they say
Post by: Total shine cleaning services on January 28, 2013, 09:51:03 pm

if you or an employee come off a ladder and get injured I would be surprised if any of the insurance companies would pay out, bottom line with a lot of insurance companies is that for any ladder work you do then you should be in full fall arrest. gleaming told me if I was to come off my ladder and I was at fault then they would not be able to pay out

graham