[leapstallbuildings]

Just renewed mine through Allied Insurance Services, insurance is with Quin.
£10m employer and £5m PL, excess £250 on PL.  Covers Damage to property being worked on, Treatment Risks, Loss of customers keys, Height limit of 25m.  Cost £435 pa.  I compared with simply business but couldn't get confirmation in writing as to exact cover and their cheapest was only £20-£30 less than I paid.
www.alliedinsurance.co.uk

I pay £366 to Allied.  2 million cover.  Includes property being worked on with £250 excess.  That price also includes a few grands worth of tools cover too.
Please note that if you are on tight cashflow and don't want to pay any interest, Allied will take one third at renewal date and the other thirds one and two months after the renewal date.  They take cheques for this so you can delay it a few more days if you're a bit skint.

[Ian Lancaster]

Unfortunately none of us can predict the future.  It's those unpredictable life shattering incidents you need to think about.

For instance:

A couple of weeks ago I dislodged an ashtray that someone had left on an upstairs window sill.  It was invisible from the ground but my brush knocked it off and it fell three floors and smashed on the footpath.  What if someone had been walking underneath at the time?  Can you be sure a court wouldn't find against you?  The damages you could have to pay for that kind of accident could be in the millions.

If you're using a ladder on a public highway and you fell onto someone, the same applies.

What if you walk on a tiled roof, a tile breaks and falls onto someone?

Then there are the 'professional claimers' who would see a WFP pipe across a footpath as a gift from above - could you afford to go to court and argue that the 'trip and fall' wasn't genuine? And if it was... :

I worked for many years without PL, but a couple of incidents like those above involving near misses convinced me that I needed to protect myself from someone suing and bankrupting me.

It's the things that are not your fault that could cost you everything you own and more.

[dazmond]

u may be right ian but u did say u worked for many years without PLI!ill watch out for those flying ashtrays!! ;)i very rarely walk on a roof now as i use a trad pole.no hose to trip up on YET!!

BEST WISHES DAZMOND

[baxey cleaning services]

i now have plb for £306 that is for 2million and cover to propety being worked on all so contents in van up to £11000 of alexander swan

[Londoner]

I don't think its a bad idea, I just think you have to make sure that you are covered for what you think you are covered for.