Clean It Up
UK Window Cleaning Forum => Window Cleaning Forum => Topic started by: Milltown Cleaning on October 30, 2009, 02:53:17 pm
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trying to sort out PLI at the minute. All my work at the minute is residential, of course in the future i want to get some domestic work. i know that domestic contracts often require £5 or £10million cover.
What i want to know is for domestic work, would £1million cover do to start with? i could then amend this as i need to.
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i reckon so, just check the differnce in price between 1, 2, 5 though, often it isnt alot
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ive never had PLI in 15 years!i suppose its a good idea in theory.ive broke a few tiles on roofs and a few plant pots!thats it though!if ur accident prone then u shouldnt be a WC!! ;D ;D im a sole trader,dome.stics only.need it if u employ though
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are you suggesting that i would not need PLI if solely workin residential!?
i wouldnt consider myself accident prone......but other people are!!!
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isnt residential and domestic the same, think you mean commercial ???
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ive never had PLI in 15 years!i suppose its a good idea in theory.ive broke a few tiles on roofs and a few plant pots!thats it though!if ur accident prone then u shouldnt be a WC!! ;D ;D im a sole trader,dome.stics only.need it if u employ though
Isn't it a legal requirement in the UK to have adequate insurance cover for your business?
In Ireland the general opinion is anyone uninsured is a cowboy! PL is cheap,.. I pay less than €2 per day (€600 per annum) for 6.5 million cover,.. and in the UK it is even cheaper.
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no its not a legal requirment to have PLI if ur a sole trader.im just cleaning windows on domestics.not abseiling!!of course it is if uv got employees.
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isnt residential and domestic the same, think you mean commercial ???
my bad!! bit distracted today, yea i meant commercial!
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dazmond,
You definately need PLI, Its less than £100 for a soletrader working alone.
Dean
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daz, you dont need pli, but if a granny slips on a drop of soapy water , you will wish u had it .
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you need pli it will only take one accident and someone will sue you, You could lose everthing for the sake of £80.00 a year
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to start off 1 million is fine if you do commercial or tender for public sector work you will need 5 million they insist on it for tender how much you paying at moment mate
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i pay £136.00 a year for 5million plus £2,000 worth of tool cover
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My personal opinion,.. if you're not insured then you're not serious about your business.
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prowindow ur probably right.i think i should if its that cheap for a year!i dont see what could happen though?im cleaning windows not using chainsaws on their trees!the odd broken plant pot and roof tiles.caught my ladders on a sky dish once and gave her the money for a new one.i dont leave ladders near cars for instance when its windy!i use trad poles a lot on dodgy windows and work steady and relaxed.as for leaving soaping water for the o.a.ps to slip on i dont have my T MOP that wet or chuck my bucket of water on their pathways!
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NATHANAEL JONES ur probably right.i dont take my business as seriously as some on here.i think i will get PLI and logo d shirts,van and WFP.Im learning a lot since ive logged into this site.ive never been much of a businessman.doesnt mean i cant change though at 38 and 15 yrs TRAD cleaning under my belt.in the past i played drums for various bands and never put 100per cent into the business but ive given up the rock n roll lifestyle for good!my pricing has got a lot better since coming on here with u lot!!
best wishes to u all
dazmond
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nathanael,
would you mind telling me what company you use for pl cover in Ireland as I use FBD,
Cheers,
Liam.
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1-5 million PLI is simple enough but to get 10 million i had to go for underwriten 5 million which in total cost me alot more.
PLI 5 million
underwriten 5 million
sort of like 2 policys
Anyone know a easyier way to get 10 million please let me know ;)