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UK Window Cleaning Forum => Window Cleaning Forum => Topic started by: 007 or what on November 14, 2006, 09:06:47 am

Title: Full insured?
Post by: 007 or what on November 14, 2006, 09:06:47 am

when it comes to being insured for commercial jobs what do you need i.e i've got public liability do i need anything else?

Title: Re: Full insured?
Post by: pjulk on November 14, 2006, 03:40:51 pm

How much public liability have you got.

Some commercial jobs like you to have 5 million.

Also you will need employers liability if you have someone working with you on these.

Paul

Title: Re: Full insured?
Post by: windows_chepstow on November 14, 2006, 03:47:51 pm

Quote from: Paul Griffin on November 14, 2006, 03:40:51 pm

Some commercial jobs like you to have 5 million.

With respect to public liability insurance, in my brief experience this is only true of the bigger jobs and I've only ever been asked if I have insurance once.

I still have it though.  A pole getting blown off a wall onto a nice shiny expensive car isn't unfeasable; though I only have 1 million now.

Title: Re: Full insured?
Post by: DaveBrown on November 14, 2006, 04:16:56 pm

You'll need 5m public liability if you plan on doing any schools.

Dave

Title: Re: Full insured?
Post by: pjulk on November 14, 2006, 04:42:23 pm

Or NHS jobs

Title: Re: Full insured?
Post by: www.mrgutters.co.uk on November 14, 2006, 06:02:47 pm

not true i do two schools for surrey county council £1million pl insurance

Title: Re: Full insured?
Post by: DaveBrown on November 14, 2006, 09:12:30 pm

Sorry, I stand corrected :)

Dave

Title: Re: Full insured?
Post by: stuart@skypole on November 14, 2006, 09:36:08 pm

you must have public liability insurance no matter the size of your contracts domestic or commercial,

when we had our cleaning company some of my customers required a minimum of £20million

rgds
stu

Title: Re: Full insured?
Post by: AuRavelling79 on November 17, 2006, 08:39:59 pm

I don't think it is a legal requirement for a sole trader (unlike car insurance is a legal requirement) - but you'd be nuts very foolish not to have it.

I've got £1 million and do commercial and schools.