Clean It Up
UK Window Cleaning Forum => Window Cleaning Forum => Topic started by: Rcs on January 12, 2010, 05:37:55 pm
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How many one man bands out there have insurance
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How many one man bands out there have insurance
Insurance for what? There are a number of different kinds.
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not me.I do not think anyone will nick my backpack drum,harmonica,or knee tambourines ;D ;D
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you should have insurance imo,i have axa with up to 5 million worth of cover
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mines with fortis.
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how much does it cost with axa?
Im looking for insurance at the minute.
you should have insurance imo,i have axa with up to 5 million worth of cover
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Public liability
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im with simple buisness 2milion cover 130 for the year. as my round gets bigger than i will alter it to 5million,
jay
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this at sound a stupid question but why do you need a mil cover for cleaning a few windows
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how much does it cost with axa?
Im looking for insurance at the minute.
you should have insurance imo,i have axa with up to 5 million worth of cover
11.75 per month
regards
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this at sound a stupid question but why do you need a mil cover for cleaning a few windows
windows can crack you never know,also when on roofs it could cave in from under your feet etc etc
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I know it does sound crazy but if some one wants to go through courts then you can be talking big money.
axa sounds good too
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The big money claims come from personal injury. If your ladder falls or pole snaps & hits someone on the head then the resulting claim could be huge. Property damage is an issue, but its rare the money gets big on that side of things. I have €6.5 million cover for €600 per annum which covers me for property worked on (many policies don't!) and covers the use of ladders, access equipment, pressure washing and office/shop cleaning work.
Many of my commercial contracts require a copy of my insurance details, and even when it isn't requested I always include it with the quote pack as it helps convey the professional image I want for my business.
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i pay £60 per year for £1,000,000 cover for public liability, its £20 extra for property damage,
dont think any other companies will come close
www.insuredrisks.co.uk
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How much public liability cover should we have 1 million ? 2 million? 5 million?
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should be asking who hasnt got insurance!
public liabilty is a must - covers you for any injury you may cause to a customer/public.
will also need cover for damages property and so on.
dont confuse public liabilty with any damage cover!
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public liability is not legally required. Unless you employ someone.
Work on your own, its your choice to have it or not. But bear in mind the consequences if you do not have it, and an accident occurs
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I think alot of people dont have it cause they think its gonna cost them loads but in the long runn if you dont have it could cost you a whole lot more.
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Public liability
Yes. I have that.
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Public Liability is a must no matter how careful you are.
Had a freak accident a few months ago, and while a claim didn't go through in the end it was a massive comfort to know I was covered, it was worth £90 for that alone ;D
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Many of my commercial contracts require a copy of my insurance details, and even when it isn't requested I always include it with the quote pack as it helps convey the professional image I want for my business.
Yes! I even tell the person who asks me for a quote that all his quotes should come with a risk assessment and method statement and a copy of their current public liability insurance; just to keep themselves safe in this litigious time. ;D ;)
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can anyone tell me if this is a good quote that iv just had off axa insurance, public liability for £1 million £250 access,plus any property damage caused with £500 access for £68.01 per year
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thats good, take it
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Jackal,
who is that with please?
ian
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to be licensed in Scotland you must have public liability
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Jackal,
who is that with please?
ian
its axa insurance well known company 08453000678 i did it through website so mine may have been discounted aswell i thought it was good price
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to be licensed in Scotland you must have public liability
Thats how they shou;ld do it in england that way most of the cowboys would have to stop :o
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u r right but i dont think it will stop the cowboys .etc
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One man band - £5Million public liability - too much at risk not to - although I hate spending out on the premium which I'm paying by DD monthly - to ease the pain.
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i'm with zurich 1 million cover 250 excess
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ryan u need public libility ins .to cover the public .etc
you need employers libility ins if u employ someone . so at about £90 its worth having public libility ins
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Jackal,
who is that with please?
ian
its axa insurance well known company 08453000678 i did it through website so mine may have been discounted aswell i thought it was good price
yes thats a real good price. gonna try them now.
is that with any tool cover?
ian
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to be licensed in Scotland you must have public liability
That's ironic really. It's not compulsory to have PL insurance but it is compulsory to have a license (for which PL is needed).
While I do feel that PL should be a legal requirement, I don't feel that the license should be. Looks like things are a bit ar*e about face to me.
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Jackal,
who is that with please?
ian
its axa insurance well known company 08453000678 i did it through website so mine may have been discounted aswell i thought it was good price
no tool cover just what iv stated my tools can be replaced cheaply so havnt bothered
yes thats a real good price. gonna try them now.
is that with any tool cover?
ian
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I have had third party since the day I started window cleaning.
I suppose you can ask yourself how much you have to lose.
A young guy living with his mum and dad who owns next to nothing may take a chance, you can't get blood out of a stone.
I have a house that's paid for, so would never take the chance.
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Is there a insurance that will cover you for damage to property whilst working ie glass breaking dropping something on a car etc
and what is the annual cost
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£2 million p/l. Includes property maintenance - I don't want to be doing a gutter clean and have a claim nullified because I "wasn't window cleaning".
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who s that with malc n how much . thanks
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Is there a insurance that will cover you for damage to property whilst working ie glass breaking dropping something on a car etc
and what is the annual cost
thats what i have, i asked those questions £68.01 per year as long as your only a window cleaner be more if you do gutters etc,but £500 access which is alot but i want insurance incase i break something expensive plus that quotes got public liability up to £1 million
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Is there a insurance that will cover you for damage to property whilst working ie glass breaking dropping something on a car etc
and what is the annual cost
thats what i have, i asked those questions £68.01 per year as long as your only a window cleaner be more if you do gutters etc,but £500 access which is alot but i want insurance incase i break something expensive plus that quotes got public liability up to £1 million
think about it whats the chance of you breaking something worth more than the £500 excess? you may as well pay for the damage out of your pocket!
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i cant beleave people are working without public liability. Its a legal requirement when your working with the public!!!!!!!!! It isnt evan that expensive.
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Is there a insurance that will cover you for damage to property whilst working ie glass breaking dropping something on a car etc
and what is the annual cost
thats what i have, i asked those questions £68.01 per year as long as your only a window cleaner be more if you do gutters etc,but £500 access which is alot but i want insurance incase i break something expensive plus that quotes got public liability up to £1 million
think about it whats the chance of you breaking something worth more than the £500 excess? you may as well pay for the damage out of your pocket!
I agree that there's not much chance of damaging something worth more than £500. But what happens if you damage a person? Medical bills rocket very quickly as when insurance is involved, it's private sector rather than NHS. £500 would barely cover a relatively minor slip injury by the time a couple of consultations, a bit of physio, lost time from work etc. had been taken into account. And that's a minor injury. Imagine a pole blowing over onto the head of a young, high earner with a family. A serious injury claim could run past a million easily. All unlikely of course but damaging property is a minor issue relatively speaking.
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Is there a insurance that will cover you for damage to property whilst working ie glass breaking dropping something on a car etc
and what is the annual cost
thats what i have, i asked those questions £68.01 per year as long as your only a window cleaner be more if you do gutters etc,but £500 access which is alot but i want insurance incase i break something expensive plus that quotes got public liability up to £1 million
think about it whats the chance of you breaking something worth more than the £500 excess? you may as well pay for the damage out of your pocket!
I agree that there's not much chance of damaging something worth more than £500. But what happens if you damage a person? Medical bills rocket very quickly as when insurance is involved, it's private sector rather than NHS. £500 would barely cover a relatively minor slip injury by the time a couple of consultations, a bit of physio, lost time from work etc. had been taken into account. And that's a minor injury. Imagine a pole blowing over onto the head of a young, high earner with a family. A serious injury claim could run past a million easily. All unlikely of course but damaging property is a minor issue relatively speaking.
im not talking about public liability, ive got that, its the optional extra of property damage, a new window pane is gonna cost you a maximum of couple of hundred depending on the size etc, you wouldnt claim if its gonna cost you hundreds extra in excess. you would get the local window fitter to fix it. :)
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yes PL insurance, upto 5 mill now
i also have a sickness insurance, which when i had my hernia op were great
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Is there a insurance that will cover you for damage to property whilst working ie glass breaking dropping something on a car etc
and what is the annual cost
thats what i have, i asked those questions £68.01 per year as long as your only a window cleaner be more if you do gutters etc,but £500 access which is alot but i want insurance incase i break something expensive plus that quotes got public liability up to £1 million
think about it whats the chance of you breaking something worth more than the £500 excess? you may as well pay for the damage out of your pocket!
I agree that there's not much chance of damaging something worth more than £500. But what happens if you damage a person? Medical bills rocket very quickly as when insurance is involved, it's private sector rather than NHS. £500 would barely cover a relatively minor slip injury by the time a couple of consultations, a bit of physio, lost time from work etc. had been taken into account. And that's a minor injury. Imagine a pole blowing over onto the head of a young, high earner with a family. A serious injury claim could run past a million easily. All unlikely of course but damaging property is a minor issue relatively speaking.
im not talking about public liability, ive got that, its the optional extra of property damage, a new window pane is gonna cost you a maximum of couple of hundred depending on the size etc, you wouldnt claim if its gonna cost you hundreds extra in excess. you would get the local window fitter to fix it. :)
I see now. You were referring to that bit about whether or not to cover the "property" (i.e. item) being worked upon.
I have questioned whether or not that is worthwhile myself. I didn't used to bother with that particular part of the insurance and had a more basic one. As you say, "property weorked on" policies are more expensive and have a higher excess. I only switched to the extra cover when I started doing more commercial work. There are some pretty large high panes that I do and you don't have to actually break them for a claim to be made. It only needs someone to see some scratches and decide to blame the window cleaner and you could end up with an expensive legal battle if you haven't got an insurer fighting it. I do some shop fronts with some very thick plate glass that would cost a lot to replace. I also do some large double glazed units with tinted glass that would also be expensive - though I must admit I don't know exactly how much. I like the comfort of knwing that my liability would not exceed the excesss. If I was just doing domestic still though, I would go for the cheaper policies.
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How many one man bands out there have insurance
i have public liability and employers liabillity.....simplybusiness.co.uk £550 a year.........500+ quid cheaper than any other quote i got
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Is there a insurance that will cover you for damage to property whilst working ie glass breaking dropping something on a car etc
and what is the annual cost
thats what i have, i asked those questions £68.01 per year as long as your only a window cleaner be more if you do gutters etc,but £500 access which is alot but i want insurance incase i break something expensive plus that quotes got public liability up to £1 million
think about it whats the chance of you breaking something worth more than the £500 excess? you may as well pay for the damage out of your pocket!
yeh but public liabilty will cost proberly £50 on its own so mite aswell pay the extra for property for instance if i drop my ladder on a 50k range rover and crease the roof i ant going want pay cash fix that when its written of by insurance long shot i no but anything can happen with bit of windy weather
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anybody with or got mail from alexander swan insurance think they have something to do with ionics they offer lower premiums if working on ground level wfp for instance damage caused to property and wfp systems and poles etc if van in accident you get van fitted with ionics 600 ltr system courtesy van