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UK Window Cleaning Forum => Window Cleaning Forum => Topic started by: NWH on February 01, 2009, 05:14:51 pm

Title: How much do you lot pay for Public Liability Insurance.
Post by: NWH on February 01, 2009, 05:14:51 pm: I pay £190 a year with AXA but i think this is a bit steep due to hearing that some on here are paying around £80-£100.
Title: Re: How much do you lot pay for Public Liability Insurance.
Post by: Paul Coleman on February 01, 2009, 05:23:10 pm: Quote from: NWH on February 01, 2009, 05:14:51 pm
I pay £190 a year with AXA but i think this is a bit steep due to hearing that some on here are paying around £80-£100.

A lot depends on the type of cover you want. If you want 1 million without the item being worked on then I think £100 is still achievable. I was paying around that until about three years ago anyway.
These days I pay much more because I have a tools cover bundled in with it. Also, there are a couple of jobs where it would be very expensive to replace a particular unit so I now cover the item (misleadingly referred to as "property" by insurers) being worked on. The excess goes up for that though. I pay about £400 all in for 2 million, item worked on, and tools cover.
Title: Re: How much do you lot pay for Public Liability Insurance.
Post by: seandyer2003 on February 01, 2009, 05:31:30 pm: 280 for item being worked on and fully comp, tools etc but only 1 mill for now.....best quote i got though?
Title: Re: How much do you lot pay for Public Liability Insurance.
Post by: Bobs Window Cleaning on February 01, 2009, 05:33:01 pm: £63 for 1 mil.
Title: Re: How much do you lot pay for Public Liability Insurance.
Post by: Paul Coleman on February 01, 2009, 05:34:48 pm: Quote from: seandyer2003 on February 01, 2009, 05:31:30 pm
280 for item being worked on and fully comp, tools etc but only 1 mill for now.....best quote i got though?

Which insurance co. was that please Sean?
Title: Re: How much do you lot pay for Public Liability Insurance.
Post by: ok cleaning on February 01, 2009, 05:53:39 pm: £85
Title: Re: How much do you lot pay for Public Liability Insurance.
Post by: ftp on February 01, 2009, 05:58:09 pm: Just paid £106 with AXA two million cover. It covers items worked on (cleaning gutters and windows) £250 excess.
Title: Re: How much do you lot pay for Public Liability Insurance.
Post by: russ_clark on February 01, 2009, 06:00:37 pm: my renewal is tomorrow for p/l & e/l ins
5 mill / 10 mill
£363 with simply business
includes property being worked on
250 excess
I am well happy with that
Russ
Title: Re: How much do you lot pay for Public Liability Insurance.
Post by: john tomkins on February 01, 2009, 06:03:00 pm: Quote from: ftp on February 01, 2009, 05:58:09 pm
Just paid £106 with AXA two million cover. It covers items worked on (cleaning gutters and windows) £250 excess.
That's good, mine is £70 for 1 mil and doesn't include glass being worked on
Title: Re: How much do you lot pay for Public Liability Insurance.
Post by: ftp on February 01, 2009, 06:06:06 pm: Quote from: john tomkins on February 01, 2009, 06:03:00 pm
Quote from: ftp on February 01, 2009, 05:58:09 pm
Just paid £106 with AXA two million cover. It covers items worked on (cleaning gutters and windows) £250 excess.
That's good, mine is £70 for 1 mil and doesn't include glass being worked on

No tool cover though, even so i thought it was pretty reasonable.
Title: Re: How much do you lot pay for Public Liability Insurance.
Post by: windowwashers on February 01, 2009, 06:15:06 pm: Quote from: russ_clark on February 01, 2009, 06:00:37 pm
my renewal is tomorrow for p/l & e/l ins
5 mill / 10 mill
£363 with simply business
includes property being worked on
250 excess
I am well happy with that
Russ
thats cheap
Title: Re: How much do you lot pay for Public Liability Insurance.
Post by: s.w.c on February 01, 2009, 06:16:27 pm: £160- swintons
Title: Re: How much do you lot pay for Public Liability Insurance.
Post by: paulscotney on February 01, 2009, 06:28:44 pm: A plan through MMA I think. £2 mill, no cover for what working on. Windows and gutter vac. £90 something.
Title: Re: How much do you lot pay for Public Liability Insurance.
Post by: sparklebright on February 01, 2009, 09:32:14 pm: I get from insuredrisks.co.uk £2m cover for £70. Doesn't cover for glass worked on.
Title: Re: How much do you lot pay for Public Liability Insurance.
Post by: adixon on February 01, 2009, 09:37:59 pm: mma £169 5 million cover
Title: Re: How much do you lot pay for Public Liability Insurance.
Post by: Klean07 on February 01, 2009, 09:38:25 pm: £2m for £110.00= HSBC Bank
Title: Re: How much do you lot pay for Public Liability Insurance.
Post by: Nathanael Jones on February 01, 2009, 10:11:21 pm: €562 for 2.6 mil cover for just me,.. no employee's.

:(
Title: Re: How much do you lot pay for Public Liability Insurance.
Post by: seandyer2003 on February 01, 2009, 10:43:12 pm: Quote from: The Shiner on February 01, 2009, 05:34:48 pm
Quote from: seandyer2003 on February 01, 2009, 05:31:30 pm
280 for item being worked on and fully comp, tools etc but only 1 mill for now.....best quote i got though?

Which insurance co. was that please Sean?

Allied
Title: Re: How much do you lot pay for Public Liability Insurance.
Post by: seandyer2003 on February 01, 2009, 10:43:56 pm: Quote from: russ_clark on February 01, 2009, 06:00:37 pm
my renewal is tomorrow for p/l & e/l ins
5 mill / 10 mill
£363 with simply business
includes property being worked on
250 excess
I am well happy with that
Russ

Very cheap!! I have been quoted double as cheapest quote for same spec
Title: Re: How much do you lot pay for Public Liability Insurance.
Post by: dave0123 on February 01, 2009, 10:50:01 pm: Quote
my renewal is tomorrow for p/l & e/l ins
5 mill / 10 mill
£363 with simply business
includes property being worked on
250 excess
I am well happy with that
Russ

Russ what insurance company was that with in simply business?
Title: Re: How much do you lot pay for Public Liability Insurance.
Post by: Paul Coleman on February 01, 2009, 11:58:16 pm: Quote from: seandyer2003 on February 01, 2009, 10:43:12 pm
Quote from: The Shiner on February 01, 2009, 05:34:48 pm
Quote from: seandyer2003 on February 01, 2009, 05:31:30 pm
280 for item being worked on and fully comp, tools etc but only 1 mill for now.....best quote i got though?

Which insurance co. was that please Sean?

Allied

Cheers.
That's the one I'm with. Looks like that extra cover was pretty expensive for me as the second million looks to have cost about £120. After a million, the cost usually drops faster than that as most claims will be well within the first million.
Title: Re: How much do you lot pay for Public Liability Insurance.
Post by: Rob.Hall on February 02, 2009, 01:11:32 pm: 360 ish for 5 mill + tools and jobs being worked on.
Simply Business.

Learnt after that Nat Fed of W/C was about the same but with legal help line as well
Title: Re: How much do you lot pay for Public Liability Insurance.
Post by: russ_clark on February 02, 2009, 04:39:15 pm: Dave0123

Glemham Insurance via www.simplybusiness.co.uk

Russ
Title: Re: How much do you lot pay for Public Liability Insurance.
Post by: dave0123 on February 02, 2009, 04:43:15 pm: Cheers mate,

Thats who am with didnt know they coverd property being cleaned upon.

dave
Title: Re: How much do you lot pay for Public Liability Insurance.
Post by: russ_clark on February 02, 2009, 05:43:47 pm: Yes they do but excess is £250 !
Russ
Title: Re: How much do you lot pay for Public Liability Insurance.
Post by: Captain Scarlet on February 02, 2009, 06:14:12 pm: around £300, covered to work at an infinite height using wfp, cherry picker, ladder anything. Covered against glass breakage ( unlike ANY other policies ). Got equipment cover with it too
Title: Re: How much do you lot pay for Public Liability Insurance.
Post by: Captain Scarlet on February 02, 2009, 06:18:49 pm: it covers internal cleaning too, chemical damage, loss of premises keys, abseiling an cradles to infinite height, anything I damage, it has some other stuff too!!!