Clean It Up
UK Window Cleaning Forum => Window Cleaning Forum => Topic started by: williamx on March 05, 2007, 11:15:22 pm
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There has been many debates on who does and doesnt have insurance.
This survey is to find out some figures, not whether you should or should not have insurance.
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yes axa
gaza
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If you don't you need your head examined!
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you could have included how much people were paying too.
Mine is £239 (2mill cover, £500 excess and no height restriction)
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you could have included how much people were paying too.
Mine is £239 (2mill cover, £500 excess and no height restriction)
Mine is about £180 for 5 million but with a 40 ft height restricxtion. Since I discovered that the 40 ft refers to the height of the work rather than the height at which the operative works, I will have to adjust that on the next renewal.
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yes, but will need to upgrade it soon.
just about covered for leaky wellies :P
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what type of insurance equipment insurance, Liabilty???
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A NO :o.
What a risk! For a couple of hundred quid get covered mate! It only takes a split second & could cost you thousands or everything you own! ::)
Macc
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Yes.
2 mil PL
Fully Comp for van and contents
No for sickness but on 'my to do' list :P
sarah
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i have £1,000,000 cleaning on a ladder up to gutter height.
£78 !
Bargain!
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5 million for my commercial work - max height 60' £168.00
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Since I discovered that the 40 ft refers to the height of the work rather than the height at which the operative works, I will have to adjust that on the next renewal.
Do it NOW if you have any work over 40ft - cos, sure as dammit, it'll be something over 40ft you'll have to claim for.
There's also something somewhere in your policy that says you have to inform them of any changes which might affect the conditions!
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Mine cost £157.50 and covers me and 1 temporary employee for £2 million PL.
Also covers tools & equipment up to £1500.
Has a £250 excess and covers to 4th floor work only.
DJ
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I think the insurance companies here have huge big glass windows and they can see me coming - maybe I should offer to clean them
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Yes 2 mill cover
You will not get any commercial work without it!
Unless it is dodgy and I would run a mile
Safety first
Russ
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Yes 1 mill pl
al
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Mine cost £157.50 and covers me and 1 temporary employee for £2 million PL.
Also covers tools & equipment up to £1500.
Has a £250 excess and covers to 4th floor work only.
DJ
What do they class as temp employee DJ ? Would that cover the summer months ?
Thats a good price - who was it with ?
Sarah
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Since I discovered that the 40 ft refers to the height of the work rather than the height at which the operative works, I will have to adjust that on the next renewal.
Do it NOW if you have any work over 40ft - cos, sure as dammit, it'll be something over 40ft you'll have to claim for.
There's also something somewhere in your policy that says you have to inform them of any changes which might affect the conditions!
Thanks for the thought but I have no work over 40 foot. Indeed, my longest pole is only 36 foot :) . I would indeed contact the insurance company if work over 40 foot came up. I do intend to get a longer pole and higher work but no point upgrading the insurance unless I get such a job. My insurance renewal is in October. I will upgrade it then or when I get a 40 foot+ job - whichever comes first.
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Leeksons were do you get your insurance from? i use axa they seem best but you seem to ave a good quote ther.
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most councils now require £5000000 liability cover and some want 10 million ,we have just renewed ours but also includes employers liability insurance . It is worth asking your insurance if it covers what you are actually working on as most dont . ie cleaning a window and it breaks you wont be covered for the window but only for the damage the broken glass may cause.
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i went through confused.com. i cant remember who i'm with now! I haven't got the details, im not on my computer.
I am insured for window cleaning (below 10 foot), and fitting PVC gutters and fascia.
I dont actually fit PVC, but thegirl i spoke to put told me to put this down, as it also covers cleaning PVC gutter and fascia.
Try it though confused. The one i found was about £50 cheaper than everywhere else
Richy
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Is it not law that anyone operating as a sole trader has to have insurance and if you have not then you are breaking the law !!!!
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Mine cost £157.50 and covers me and 1 temporary employee for £2 million PL.
Also covers tools & equipment up to £1500.
Has a £250 excess and covers to 4th floor work only.
DJ
I want some of that, where can i get it from
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Sarah.
I bought the policy from Business Insurance Direct. I found them on google.
It is underwritten by Groupama Insurances under their Optimer Trade & Professional Policies.
I was quoted £162.75 but got a discount for paying online.
As for the temporary worker, I told them I have a mate who is self employed as a builder who will help me on an "as and when" basis but that I wanted them to be covered when they where working with me. It has no Employers Liability cover. The policy itself actually states "temporary employees covered automatically" but does not state any time scale.
Hope that helps.
DJ
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Is it not law that anyone operating as a sole trader has to have insurance and if you have not then you are breaking the law !!!!
You do not have to have Public Liability insurance, you do need employers insurance if you employ someone.