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UK Window Cleaning Forum => Frequently Asked Questions & Useful Resources => Topic started by: Central Window Cleaners on February 01, 2005, 03:10:49 pm

Title: Struggling to find Employer Liability Help!!!!!!
Post by: Central Window Cleaners on February 01, 2005, 03:10:49 pm

Hi,
we have just registered as a Ltd company and now I cannot find anyone to give us empoyer liability insurance. Can anyone suggest any good firms please?

Title: Re: Struggling to find Employer Liability Help!!!!!!
Post by: Roy Harding on February 01, 2005, 07:12:52 pm

Try Christine Fairweather on 01473 343413

Title: Re: Struggling to find Employer Liability Help!!!!!!
Post by: TERRY AB on February 03, 2005, 12:38:56 pm

Phoned them; they dont cover window cleaners.
Apparently the NFMWGC do; but they dont !.
According to them almost all members are
one man companys (no employees) hard
to believe eh ?.

Title: Re: Struggling to find Employer Liability Help!!!!!!
Post by: Customers4u on February 10, 2005, 03:28:13 pm

We made the mistake of going Ltd straight away, cost £125 to do and puts your insurance costs through the roof!

We went back to a partnership after it was divulged that having a Ltd status puts insurance companies off you big time, insurance companies also like you to have at least 1 years experience of window cleaning and can prove this b4 they start to give you lower costs in insurance.

New window cleaners are the biggest scare for insurers as the job is dangerous enough to the regular guys who have been doing it for years.

Paul Bass

Title: Re: Struggling to find Employer Liability Help!!!!!!
Post by: Jan K on February 13, 2005, 11:54:05 am

I'm not in the window cleaning bus, but domestic cleaning (and I'm not Ltd), but I tried a few at the beginning and was quoted really stupid prices (up to £3k per year) for up to 10 peeps. In the end I got it on-line from Groupama, who allow me to add employees as U go on a pro-rata rate.  It is realy difficult to find employers liability at the best of times, when most dom cleaners only want a few hours work a week, and thereby not earning enough for business to even cover insurance.....I think it is about time these insurance companies realised that it ain't all black and white and there are grey areas too!!

good luck ;D

Title: Re: Struggling to find Employer Liability Help!!!!!!
Post by: a55essor on February 13, 2005, 12:59:16 pm

Hi
I was told by my insurance that I'm only allowed to clean offices/homes ect
be course I also do industrial cleaning I need separate insurance, they wanted to know how many cleaners would be involved in the industrial side, what a nightmare, still joys of running a company.
Kev

Title: Re: Struggling to find Employer Liability Help!!!!!!
Post by: dustycorner on February 19, 2005, 11:10:50 pm

hi dynamite a company called darwin clayton tel no 01892 511144 do insurance be sure to explain the beakdown of the heights you work to as this as an affect on price cheers Mark

Title: Re: Struggling to find Employer Liability Help!!!!!!
Post by: Philip Hanson on February 19, 2005, 11:26:12 pm

Dustycorner is quite right, Darwin Clayton are a specialist insurance broker and will be able to arrange it:

www.darwinclayton.co.uk (http://www.darwinclayton.co.uk)

Also Camberford Law are another broker that will almost certainly be able to arrange it:

http://www.camberford-law.com/cleaning.htm

-Philip