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Rob Knapman

  • Posts: 209
Public Liability
« on: January 03, 2013, 07:51:20 pm »
Just wondering what everyone else is covered for, mine is 2 million which has been fine for years, was approached by NewLook today and they requested 5 million cover...seems a bit excessive??
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Knapman Cleaning services, washing glass since 1945

Window Washers

  • Posts: 9036
Re: Public Liability
« Reply #1 on: January 03, 2013, 07:54:13 pm »
have had 5 million for years, two million is nothing these days, may upgrade that on renewal too
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Gav Camm lammy 283

  • Posts: 7520
Re: Public Liability
« Reply #2 on: January 03, 2013, 08:00:19 pm »
Have to agree 2 million is nothing
Iv had 5 mill for over 4 yrs
Was thinking of upping mine to 10 mill
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R.C Property

  • Posts: 1599
Re: Public Liability
« Reply #3 on: January 03, 2013, 10:51:38 pm »
Had 5 million for a bit now, most larger commercials are asking for it nowadays,

Thank the suing world we live in!!!
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Rob Knapman

  • Posts: 209
Re: Public Liability
« Reply #4 on: January 04, 2013, 08:19:00 am »
Aye, compensation culture and all that....just curious, customers/contractors have asked to see proof of P/L, but never had any figure specified...will look into it, cheers ;D
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Knapman Cleaning services, washing glass since 1945

colin purewater

  • Posts: 2282
Re: Public Liability
« Reply #5 on: January 04, 2013, 10:21:55 am »
Quote from: Gav Camm lammy 283 on January 03, 2013, 08:00:19 pm
Have to agree 2 million is nothing
Iv had 5 mill for over 4 yrs
Was thinking of upping mine to 10 mill
Is that just to cover your collection of northern soul Gav  8)
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keep it simple

TomCrowther

  • Posts: 1965
Re: Public Liability
« Reply #6 on: January 04, 2013, 12:33:29 pm »
5 mil seems to be the minimum these days. I don't think the difference in cost between 2 and 5 mil cover is that great.
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Ian Rochester

  • Posts: 2588
Re: Public Liability
« Reply #7 on: January 04, 2013, 12:39:38 pm »
Agree, £5M is what most large businesses are asking for, the addition on the premium should not be a great deal different.
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Rob Knapman

  • Posts: 209
Re: Public Liability
« Reply #8 on: January 04, 2013, 12:47:07 pm »
Just called them, jumps from £140 to £230...
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Knapman Cleaning services, washing glass since 1945

Mike #1

  • Posts: 4668
Re: Public Liability
« Reply #9 on: January 05, 2013, 08:21:20 am »
Should not be as expensive as that i payed about £120 last year for 5 mill not including damage to property worked upon . Mike
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Window Washers

  • Posts: 9036
Re: Public Liability
« Reply #10 on: January 05, 2013, 10:46:29 am »
Quote from: Broadfoot on January 04, 2013, 12:47:07 pm
Just called them, jumps from £140 to £230...
wish mine was that low
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If your not willing to learn, No one can help you, If you are determined to learn, No one can stop you ;)

R.C Property

  • Posts: 1599
Re: Public Liability
« Reply #11 on: January 05, 2013, 10:49:56 am »
Quote from: Ian Wicks on January 05, 2013, 10:46:29 am
Quote from: Broadfoot on January 04, 2013, 12:47:07 pm
Just called them, jumps from £140 to £230...
wish mine was that low

But you got employers insurance too tho! That puts it up alot
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Rob Knapman

  • Posts: 209
Re: Public Liability
« Reply #12 on: January 05, 2013, 10:52:49 am »
Quote from: richard clues on January 05, 2013, 10:49:56 am
Quote from: Ian Wicks on January 05, 2013, 10:46:29 am
Quote from: Broadfoot on January 04, 2013, 12:47:07 pm
Just called them, jumps from £140 to £230...
wish mine was that low

But you got employers insurance too tho! That puts it up alot
Mine is straight P/l insurance for 2 workers, no employers liability.
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Knapman Cleaning services, washing glass since 1945

R.C Property

  • Posts: 1599
Re: Public Liability
« Reply #13 on: January 05, 2013, 10:55:45 am »
Quote from: Broadfoot on January 05, 2013, 10:52:49 am
Quote from: richard clues on January 05, 2013, 10:49:56 am
Quote from: Ian Wicks on January 05, 2013, 10:46:29 am
Quote from: Broadfoot on January 04, 2013, 12:47:07 pm
Just called them, jumps from £140 to £230...
wish mine was that low

But you got employers insurance too tho! That puts it up alot
Mine is straight P/l insurance for 2 workers, no employers liability.

So you have public liability for 2guys but no employers liability for the other worker??
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Rob Knapman

  • Posts: 209
Re: Public Liability New
« Reply #14 on: January 05, 2013, 10:56:48 am »
So you have public liability for 2guys but no employers liability for the other worker??


Yes, the other worker is a partner, so I have no employees.
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Knapman Cleaning services, washing glass since 1945

Window Washers

  • Posts: 9036
Re: Public Liability
« Reply #15 on: January 05, 2013, 10:58:25 am »
Quote from: Broadfoot on January 05, 2013, 10:52:49 am
Quote from: richard clues on January 05, 2013, 10:49:56 am
Quote from: Ian Wicks on January 05, 2013, 10:46:29 am
Quote from: Broadfoot on January 04, 2013, 12:47:07 pm
Just called them, jumps from £140 to £230...
wish mine was that low

But you got employers insurance too tho! That puts it up alot
Mine is straight P/l insurance for 2 workers, no employers liability.
why no employers you have that seperate ?
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If your not willing to learn, No one can help you, If you are determined to learn, No one can stop you ;)
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