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UK Window Cleaning Forum => Window Cleaning Forum => Topic started by: poleman on November 27, 2006, 05:07:49 pm

Title: Cant get Insurance
Post by: poleman on November 27, 2006, 05:07:49 pm

Been phoning around today as my insurance runs out in 2 days time and my renewal went up 400 pounds  :'( and most companies I phone say sorry your a window cleaner, we cant insure you  >:(

I said we dont use ladders and work 100% from the ground, but it seems that does not count  :-\

Anyone know off any insurance companies that take into consideration that we work from the safety of the ground

Andy   

Title: Re: Cant get Insurance
Post by: macc on November 27, 2006, 05:32:57 pm

Hi Andy.

Try Quinn Direct.

0845 850 0845

www.quinn-direct.com

I'm wfp & had no problems with them & a very good price.

Macc

Title: Re: Cant get Insurance
Post by: wimbledonhandyman on November 27, 2006, 05:33:42 pm

Hi,

Try Gladiator (part of the Admiral group) for your insurance - they just charged me £20 to add window cleaning to my property maintenance PL insurance. They were also fairly cheap with the van insurance too!

http://gladiator.co.uk/
0800 519 2555

Good luck,
Steve ;)

Title: Re: Cant get Insurance
Post by: Ian Lancaster on November 27, 2006, 05:51:10 pm

It makes a huge difference whether you're a Sole Trader or an employer.

For Sole Trader, try MMA Insurance plc (through any decent broker) who do a "Master Tradesman" policy which they modify to include window cleaners.  This has the usual "not the property being worked on" clause, but this is intended for such things as a kitchen worktop that some dolt cuts in the wrong place, etc.  From the w/c point of view it means the actual window you are in the process of cleaning, not the building/premises you are working on, so unless you are b*** clumsy jit won't make any real difference, especially as you will have to pay an excess as you would with any insurance.

Mine was about £75.00 for £1mill cover

Cheers,

Ian

Title: Re: Cant get Insurance
Post by: wimbledonhandyman on November 27, 2006, 05:57:18 pm

Hi,

Just to add, mine is with MMA for 2 mil as a sole trader (Gladiator being a broker). So far they have been good and no problems with getting cover.

Steve

Title: Re: Cant get Insurance
Post by: spotless2000 on November 27, 2006, 08:12:00 pm

Try Zurich - not the cheapest but they understand WFP! ;)

Title: Re: Cant get Insurance
Post by: idealrob on November 27, 2006, 08:28:15 pm

We cut ours from Darwin Cayton £1300 to Norwich Union £400 and we employ 4 staff and work for he chemical industry.

robert t

Title: Re: Cant get Insurance
Post by: niceandclean on November 27, 2006, 10:49:01 pm

Quote from: spotless2000 on November 27, 2006, 08:12:00 pm

Try Zurich - not the cheapest but they understand WFP! ;)

Yes im with Zurich and they are not the cheapest, but i have used them for quite a few years with other insurances as well as PL and EL, and you wont have a problem if you need to claim!

Title: Re: Cant get Insurance
Post by: craig jwc on November 28, 2006, 07:45:04 am

These who i have used and thought very reasonable.

Think i paid just under £70 for 1 million PLI

insuredrisks.co.uk (http://insuredrisks.co.uk)

Craig