Clean It Up

UK Window Cleaning Forum => Window Cleaning Forum => Topic started by: Suffolkcleaners on April 24, 2008, 10:35:02 pm

Title: Public Liability
Post by: Suffolkcleaners on April 24, 2008, 10:35:02 pm

Hi,i have public liability insurance and every company ive been with dont actually cover you for the property you are working on. For example if you drop your squeegee on the glass of the conservatory roof your not covered,whereas if the wind blows your ladder over and falls on some old dear you are. I dont understand this. Any comments would be good,i think you can get insurance that will cover you but is about 10 times more expensive than the basic.

Title: Re: Public Liability
Post by: jaykie on April 24, 2008, 10:40:38 pm

Your spot on theres not many companys who cover you for item your working on, and they only tell you this when you ask, Aliied Insurance cover you for this but your looking at £235 for £2 million p/l. I phoned them the other day as need mine doing but they where ment to get back to me but no luck yet.

Chris

Title: Re: Public Liability
Post by: Suffolkcleaners on April 24, 2008, 10:50:24 pm

yep know what you mean,im with allied insurance funny enough. Have to pay bit more and go for 5 million as i need that for a commercial job i have. Also arranged income protection through them a must for window cleaners i think.

Title: Re: Public Liability
Post by: matt on April 25, 2008, 10:35:31 am

the cost of a policy which covers you for prop working on is ALOT more then without

Title: Re: Public Liability
Post by: jaykie on April 25, 2008, 01:23:59 pm

DMH how much you pay with Allied

Chris

Title: Re: Public Liability
Post by: TennetClean on April 25, 2008, 01:25:15 pm

I'm covered for propert worked on and it wasnt very much more, £20 or something if i remember rightly

Title: Re: Public Liability
Post by: xxmattyxx on April 25, 2008, 01:27:49 pm

MY P/L insurance needed renewing last wek. Previously I was with Groupama and paid £87.00 a year.

I decided to get a quote which would include the glass I am working on and also for flat roofs.

The policy was £118.00 with £250.00 excess.

I went for that.

I used Simply Business and am a sole trader.

Matt

Title: Re: Public Liability
Post by: windowwashers on April 25, 2008, 01:28:47 pm

I use simply business for public and employers

Title: Re: Public Liability
Post by: jaykie on April 25, 2008, 02:03:23 pm

I looked at Groupama as they where cheap but only insured upto 4th floor

Chris

Title: Re: Public Liability
Post by: matt on April 25, 2008, 02:41:26 pm

Quote from: Matt B. on April 25, 2008, 01:27:49 pm

MY P/L insurance needed renewing last wek. Previously I was with Groupama and paid £87.00 a year.

I decided to get a quote which would include the glass I am working on and also for flat roofs.

The policy was £118.00 with £250.00 excess.

I went for that.

I used Simply Business and am a sole trader.

Matt

thats a cracking price

mine was 135 quid more for prop being worked on :( though that includes building work  and carpentry

Title: Re: Public Liability
Post by: steve m on April 25, 2008, 08:13:56 pm

I'm covered for the property I'm working on, just not covered for the window I'm working on. Got it from A-plan, £79:90 odd for the year. Covered for £2000,000

Title: Re: Public Liability
Post by: aztec on April 25, 2008, 09:00:44 pm

public liability 10,000 000 employers liability 50,000 000