[m.b.s.]

Just renewed mine and noticed in small print does not cover property worked on.
Not in my last documents small print.
So I am guessing that if I damage a window I am not covered for that window?
But what if I put my pole against the window leave the pole on resting on the window to go to van and a gust of wind blows the pole on to customers car is this not covered as its in the property worked upon
If this is the case what is the point in having it when it don't cover you.
Any one know of any insurance that will cover the window you work on?
Thanks

[Dave Willis]

A plan do but it would pay to ask what's covered and what isn't.

[Cookie]

Gleaming Insurance also provide this cover.

[m.b.s.]

Thanks guys so these two covet you for the window worked upon ?.

[KS Cleaning]

Most of those policies will have a £250 excess, so it is unlikely you would claim for damaging a window unless it was leaded or something.

[Cookie]

Most of those policies will have a £250 excess, so it is unlikely you would claim for damaging a window unless it was leaded or something.

Yes - I have a £250 excess on my policy. I pay £14.57 a month for £1m public liability but am happy to pay a little more knowing that I'm actually covered for what I'm cleaning.

[m.b.s.]

So now with it saying not covered for property worked upon OK I'm not covered for the window but what about of I damage customer car as in my first post or my pole falls on someone  whilst im working on that property isn't this what public liability insurance is for ?

[Cookie]

So now with it saying not covered for property worked upon OK I'm not covered for the window but what about of I damage customer car as in my first post or my pole falls on someone  whilst im working on that property isn't this what public liability insurance is for ?

You really need to go back to your insurer to confirm exactly what you are covered for.

[Shane sharples]

I'm covered with simply business- £5 million public liability for window cleaners - one off payment- £95  for the year 

[Spruce]

So now with it saying not covered for property worked upon OK I'm not covered for the window but what about of I damage customer car as in my first post or my pole falls on someone  whilst im working on that property isn't this what public liability insurance is for ?

You really need to go back to your insurer to confirm exactly what you are covered for.

^^ I agree.
With the excess of £250.00 you won't claim on replacing a damaged window pane.  But you can't make an informed decision without knowing what you are covered for.

10 out of 10 for reading through your renewal and comparing this years cover to last years though.

[Smurf]

Best contact the insurance company you have the policy with if it doesn't clearly state in the policy document what you are covered for and what services you offer are covered too.

Gleaming (hiscox) policy is a no brainer if you ask me. http://www.gleaminginsurance.co.uk/cleaners-insurance-cover.html

About The Cover

The policies we offer are underwritten by Hiscox Insurance Company Ltd and have been specifically designed for businesses in the cleaning industry. The main covers that we offer are Public Liability Insurance and Employers Liability Insurance with the option to add cover for Machinery & Equipment Insurance, Hired or Owned Plant and cover for your business premises.

Public Liability Insurance

The Cover

The policy will protect you if, as a result of your business, any party brings a claim against you (for which you are legally liable) for:
 a.bodily injury or property damage occurring during the period of insurance
 b.personal injury or denial of access committed during the period of insurance


Activities Covered

If you arrange Public Liability Insurance online via the GLEAMING INSURANCE website then your policy will cover all of these activities;

 Carpet & Upholstery Cleaning including soft furnishings
 Commercial Property Cleaning (interior and exterior) which includes;
shops, office, restaurants and other properties occupied by businesses
 Conservatory Cleaning
 Contract Cleaning
 Domestic Property Cleaning (interior and exterior)
 End of Tenancy Cleaning (interior and exterior)
 Gutter Cleaning
 Hard Floor Cleaning
 Holiday Home Cleaning (including Caravans)
 Kitchen Cleaning
 Oven (domestic and catering only) & White Goods Cleaning
 Pressure Washing to 248 bar (3,600 psi)
 Solar Panel Cleaning
 Window Cleaning including Soffits, Fascia and Frames


The maximum height for any of the work undertaken must not exceed 25 metres (82 feet).

Specialist Covers included

This policy provides specialist covers for the cleaning industry including;
•Damage to Property Being Worked Upon - read more
•Treatment Risks (for damage caused by cleaning solutions or chemicals)
•Loss of Customer's Keys
•Failure to Secure a Customer's Premises
•Theft by your employees


For further details of the cover provided by Hiscox Insurance via ourselves please see the Public Liability Insurance Policy Wording

[Smurf]

I'm covered with simply business- £5 million public liability for window cleaners - one off payment- £95  for the year 

I had the misfortune to have a claim brought against me for property being worked upon and the settlement figure was just under 4k . I'm so glad that I had the correct cover in place and not just public liability  or I would have been out of pocket just a wee bit 

[Shane sharples]

What other insurance do you have mr crapdonalds?

[Smurf]

I felt like crap when it happend that's for sure shrek

I've always been covered by gleaming insurance (hiscox) as is the most comprehensive policy for cleaners.
Others I tried to get cover for the activities/services I wanted covered including property being worked upon and gave up in the end as was a pain in the arse trying to get quotes  so went with gleaming in the end and I'm sure glad I did.

[m.b.s.]

This is the clause wording
What do you make of it

Section 19
Property Being Worked Upon
We shall not be liable in respect of Damage to
property being worked upon if the Damage
arises from such work.

[Smurf]

This is the clause wording
What do you make of it

Section 19
Property Being Worked Upon
We shall not be liable in respect of Damage to
property being worked upon if the Damage
arises from such work.

Simply put you will not be covered whilst cleaning if you damage something.

If you also use any type of cleaning products you defo will not be covered either as you have no treatment risk cover.

[m.b.s.]

But surley the public will still be protected ?

[Smurf]

But surley the public will still be protected ?

That is a grey area as most would want to weedle out of any claim if they can.

[Spruce]

This is the clause wording
What do you make of it

Section 19
Property Being Worked Upon
We shall not be liable in respect of Damage to
property being worked upon if the Damage
arises from such work.

Simply put you will not be covered whilst cleaning if you damage something.

If you also use any type of cleaning products you defo will not be covered either

This is frightening tbh.  I would see that as a next to worthless insurance policy - could we say it's not worth the paper its printed on?  Unfortunately, its not what we make of it, its what the insurance company who issued the policy is trying to hide behind.

So what would happen if you tripped whilst walking to the first window to be cleaned, fell and your pole damaged your customer's car?

[Spruce]

But surley the public will still be protected ?

That is a grey area as most would want to weedle out of any claim if they can.

This is the point - how can they make something worthless sound appealing to make you buy it?