Clean It Up

UK Window Cleaning Forum => Window Cleaning Forum => Topic started by: Clean Cloth on July 17, 2020, 01:00:22 pm

Title: Public Liability including glass cover
Post by: Clean Cloth on July 17, 2020, 01:00:22 pm: I am getting a quote from A Plan for Public Liability insurance as a traditional window cleaner and would like to be covered for damage to a customer's property, car and the materials being worked upon like glass.

Who do you recommend?

Cheers.
Title: Re: Public Liability including glass cover
Post by: cgh window cleaning on July 17, 2020, 01:06:25 pm: A plan can cover you for all the above.Speak to your broker and he will tailor your quote.

If not try Gleaming insurance but they are not cheap.
Title: Re: Public Liability including glass cover
Post by: NWH on July 17, 2020, 02:50:28 pm: I’m not bothered about glass cover I broke 1 last year cost me 130 to replace it I have cover for the cost of big accidents like dropping something on a 100 grand car or similar lol,you must have it though if there’s people out there that don’t pay it you never know.
Title: Re: Public Liability including glass cover
Post by: Cookie on July 17, 2020, 03:22:18 pm: Gleaming cover all of this -> https://www.gleaminginsurance.co.uk/
Title: Re: Public Liability including glass cover
Post by: Clean Cloth on July 17, 2020, 04:50:56 pm: Thank-you, I have just asked A Plan for a quote and given my details.
I live in the east midlands and work on residential properties, nearly all bungalows, 3 houses and 1 commercial property.
Just me, no employees or plant or premises.
Is £1,000,000 cover sufficient?

I think 6M height should cover house gutters, not that I cleaned any house gutters last year.

I will look at Gleaming.
Title: Re: Public Liability including glass cover
Post by: Pete Thompson on July 17, 2020, 05:06:41 pm: Alexander Swan

That is all.
Title: Re: Public Liability including glass cover
Post by: SB Cleaning on July 17, 2020, 08:45:14 pm: Gleaming are excellent.
Title: Re: Public Liability including glass cover
Post by: jd services on July 19, 2020, 07:23:31 pm: Quote from: NWH on July 17, 2020, 02:50:28 pm
I’m not bothered about glass cover I broke 1 last year cost me 130 to replace it I have cover for the cost of big accidents like dropping something on a 100 grand car or similar lol,you must have it though if there’s people out there that don’t pay it you never know.

I think you should be bothered about glass cover. I did a 'builders clean' on a nice regular customer's new extention and she said I scratched the inside glass on the massive new casement windows. The repair costs ran into a couple of thousand and my insurance sorted it out.
Title: Re: Public Liability including glass cover
Post by: Clean Cloth on July 21, 2020, 04:27:36 pm: I had Public Liability insurance with A Plan which ran out in April 2020, it cost £73 a year, I have just got a quote and it is now £159 a year, so a 117% increase.
I am a 1 man band with a low turn over as my business is young and not helped by covid19. (commercial)

I have never made a claim on any type of insurance.
I had used A Plan for over 30 years for my vehicle insurance but use a comparison site this year and the cost was less than half.

Gleaming quoted £166 and a few of you seem to rate them so maybe I will go with them.
Title: Re: Public Liability including glass cover
Post by: NWH on July 21, 2020, 05:01:32 pm: Quote from: jd services on July 19, 2020, 07:23:31 pm
Quote from: NWH on July 17, 2020, 02:50:28 pm
I’m not bothered about glass cover I broke 1 last year cost me 130 to replace it I have cover for the cost of big accidents like dropping something on a 100 grand car or similar lol,you must have it though if there’s people out there that don’t pay it you never know.

I think you should be bothered about glass cover. I did a 'builders clean' on a nice regular customer's new extention and she said I scratched the inside glass on the massive new casement windows. The repair costs ran into a couple of thousand and my insurance sorted it out.

No because what I would have done is had a walk round with her and highlighted any imperfections in the glass and also taken photos before,Classic that is being stung by the builders for there balls ups.
Title: Re: Public Liability including glass cover
Post by: NWH on July 21, 2020, 05:07:28 pm: I ALWAYS say you get them to get labels and all big debris off and then we will have a look sod that you’ve been had m8,the worst thing you can do is pull up to a house when a build is coming to an end with Window Cleaner written all over your van the builders rub there hands together.
I would only ever do this for existing customers cleans like this anyway I tell the customers tell the builders I won’t be responsible for any scratches label or concrete removing,like I say I’ve known builders to say to my customers do you have a window cleaner 🤣 bugger that they won’t catch me again.
Title: Re: Public Liability including glass cover
Post by: Clean Cloth on July 29, 2020, 11:54:29 am: I have just taken out PL insurance with Gleaming, Hiscox are the insurers.
Is Gleaming the name of the broker and they find the most appropriate insurer for the client?
Title: Re: Public Liability including glass cover
Post by: NWH on July 29, 2020, 05:56:23 pm: 10x10 panes of self supporting glass type houses they can be 2000 a time to replace at least but they don’t half take some cracking even with hot water they are 1”1/2 thick lol,are you cleaning a lot of them.