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UK Window Cleaning Forum => Window Cleaning Forum => Topic started by: danny mckim on July 04, 2015, 03:10:15 pm

Title: Employers liability insurance and public liability insurance
Post by: danny mckim on July 04, 2015, 03:10:15 pm

I just got a quote from axa for employers liability insurance and public liability insurance

For myself and 3 employees they are quoting £1255 for both for the year

Is this reasonable or could  anyone recommend another company

Any advice would be appreciated

Title: Re: Employers liability insurance and public liability insurance
Post by: Smudger on July 04, 2015, 03:39:02 pm

If you try gleaming insurance it's based on turnover not staff and the cover is excellent

Darran

Title: Re: Employers liability insurance and public liability insurance
Post by: danny mckim on July 04, 2015, 05:09:59 pm

Thanks Darren

I'll take a look

Title: Re: Employers liability insurance and public liability insurance
Post by: Smurf on July 05, 2015, 10:47:43 pm

gleaming for me too which are just brokers for hiscox

Title: Re: Employers liability insurance and public liability insurance
Post by: steve rix on July 06, 2015, 12:48:11 am

We are insured with Hiscocks via Gleaming. Cheap but a numpty to deal with if you have a claim

Title: Re: Employers liability insurance and public liability insurance
Post by: steve rix on July 06, 2015, 12:48:37 am

I did NOT type in numpty

Title: Re: Employers liability insurance and public liability insurance
Post by: steve rix on July 06, 2015, 12:49:09 am

son of an un-married woman

Title: Re: Employers liability insurance and public liability insurance
Post by: Smudger on July 06, 2015, 07:11:46 am

 ;D

Title: Re: Employers liability insurance and public liability insurance
Post by: Smurf on July 06, 2015, 01:48:50 pm

Insurance companies as a whole will try to avoid paying out if they can but are happy to take your money. Some cover is more comprehensive than others so is always best to shop around and read the small print so to speak.

Basic public liability in general don't normally cover property being worked upon etc which is no good if you happen to damage whatever you are cleaning at the time.  You also have to make sure you are covered for all the services you offer and never assume you are. After saying that unless it's written into the policy doc you will not be covered.

Recently I damaged a conservatory roof I was cleaning at the time. Turns out the roof panel which was damaged can't be replaced as they don't make that type of plastic panel anymore nor any supplier stocks them.  Only other option is to replace the whole roof which I'm so glad I was covered as would have been very expensive to do. 

Just goes to show that we can all make costly mistakes so best make sure you are covered properly.

Title: Re: Employers liability insurance and public liability insurance
Post by: danny mckim on July 07, 2015, 07:46:23 pm

Thanks for advice guys