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UK Window Cleaning Forum => Window Cleaning Forum => Topic started by: Jim Waugh(Albright & Shiny) on September 17, 2013, 06:57:50 pm

Title: Public Liability Insurance
Post by: Jim Waugh(Albright & Shiny) on September 17, 2013, 06:57:50 pm

PLI : I have had one quote and Im wondering where others get their PLI , who provides a good price V cover.. etc etc before I put my short arms into my deep pockets...

Title: Re: Public Liability Insurance
Post by: rosskesava on September 17, 2013, 07:25:40 pm

I've found that for me, as a one man band, the differences in cost for the same amount of cover only seem to vary by about £10 or £20 for a year.

I'm with Alexander Swan and I pay £90 odd for 2 million liability.

Title: Re: Public Liability Insurance
Post by: Jim Waugh(Albright & Shiny) on September 17, 2013, 08:52:03 pm

Thanks - Anyone else?

Title: Re: Public Liability Insurance
Post by: Sean Kelly on September 17, 2013, 09:02:00 pm

I pay £88.50p for a year, that's for 1 million cover, and covers me on temp employees

Title: Re: Public Liability Insurance
Post by: Panorama on September 17, 2013, 09:11:41 pm

Black friars group, £44 for 1 million

Title: Re: Public Liability Insurance
Post by: Jim Waugh(Albright & Shiny) on September 17, 2013, 10:14:46 pm

Interesting..  I have contacted what appears to be a major player who wants 450 quid and makes a bug play on damage to property not being worked on as what makes them different !!!!!
Axa want 140 for 5 Mill cover..

any idea whey there are such a big difference?

Title: Re: Public Liability Insurance
Post by: peter1983 on September 17, 2013, 11:16:40 pm

£160 for 5m but I get carpet cleaning lost of tool and small offices clean and window cleaning

Title: Re: Public Liability Insurance
Post by: dannymack on September 18, 2013, 06:41:40 am

Nearly £500 for public liability 5 million & 10 million for employees

Title: Re: Public Liability Insurance
Post by: robertphil on September 18, 2013, 08:22:16 am

i use Simply business , about 500quid thats for public and several employee liability . each year at renewal time 3 weeks before deadline i get a loada quotes off others,this is worth doing as you end up with at least 100 quid discount when you pit the insurance dogs against one another

Title: Re: Public Liability Insurance
Post by: Simon Mess on September 18, 2013, 03:11:33 pm

I use gleaming insurance, for 1 million cover it is £175. The big differences in price is down to type of cover. Basic 3rd party cover really isn't worth bothering with, as it doesn't cover damage to the property you are cleaning!, nor your equipment. Get some decent comprehensive insurance.

Title: Re: Public Liability Insurance
Post by: Panorama on September 18, 2013, 05:26:42 pm

Mine includes damage to glass

Title: Re: Public Liability Insurance
Post by: Jim Waugh(Albright & Shiny) on September 24, 2013, 04:32:20 pm

Ok got my head around that. So what level of cover is best. my gut instinct is to go for 5m a a just in case position… what do other think?

Title: Re: Public Liability Insurance
Post by: jarvy on September 24, 2013, 05:00:40 pm

I use axa,have done ever since I started. 50 something quid

Title: Re: Public Liability Insurance
Post by: wayne m on September 24, 2013, 07:38:36 pm

£98 for 5 million cover and covers you for the actual glass and property you are cleaning which some do not so you need to check that and that's through a plan Southampton commercial branch!

Title: Re: Public Liability Insurance
Post by: wpclean on September 24, 2013, 09:54:35 pm

Gleaming is very good, you can pay monthly at no extra charge, and it covers damage to the property . . . . and it also covers pressure washing too  ;D

Oh, and they respond very quickly when you have a query !

Title: Re: Public Liability Insurance
Post by: PAUL ERITH on September 24, 2013, 10:43:23 pm

(Gleaming) Hiscox £198 per year for 2 million cover

I'm also insured with axa til it runs out in march but the axa insurance policy isn't a comprehensive policy

Paul

Title: Re: Public Liability Insurance
Post by: Paul H on September 25, 2013, 04:15:52 pm

Quote from: Erith cleaning on September 24, 2013, 10:43:23 pm

(Gleaming) Hiscox £198 per year for 2 million cover

I'm also insured with axa til it runs out in march but the axa insurance policy isn't a comprehensive policy

Paul

Gleaming too £2 million

Title: Re: Public Liability Insurance
Post by: Jim Waugh(Albright & Shiny) on September 25, 2013, 05:09:49 pm

So 2M is about right then?

Title: Re: Public Liability Insurance
Post by: Paul H on September 25, 2013, 05:17:57 pm

I need mine to cover items being worked upon ...

So this works for me