[Moderator David@stives]

If no please state why 

[windowwashers]

If no please state why 

I am guessing if people dont have insurance they are not going to say on here as they know full well they should have it, but will be intersting to see.
I myself have public and employers

[gmcs]

Ditto

[williamx]

If no please state why 

I am guessing if people dont have insurance they are not going to say on here as they know full well they should have it, but will be intersting to see.
I myself have public and employers

With public liability insurance, you don't legally have to have it, so those who don't have it shouldn't feel embrassed about not having any.

Not having any will be very expensive if anything happens that you might be liable for.

With employees working for you, you do by law need insurance to cover them.

[windowwashers]

If no please state why 

I am guessing if people dont have insurance they are not going to say on here as they know full well they should have it, but will be intersting to see.
I myself have public and employers

With employees working for you, you do by law need insurance to cover them.

Public and employers (employers is only not needed in very few cases)

[nat]

if you wish to even consider commercial you will need copys of your liability insurance, i have never yet recieved a contract without supplying the relevant paperwork

[gary999]

i only have domestic work i have public liability insurance with axa
my customers dont seem to care when i mention this when quoting,then again
touch wood i havent had anything go wrong yet!

todays world you never can be too careful!!

[Helen]

in this world of "lets see if we can get compo" it's a must to have some form of insurance. You just never kinow what sort of person you will take on as a customer

[poleman]

Two years ago I have a claim paid out for 10k if I hadn't had insurance I might not have been in business, so it pays to have it

Andy

[m.b.s.]

i have with mma insurance learned the hard way when i first started out never had any then one day i sliped and landed on a new vectra bonnit cost me an arm and a leg to get it fixed  if you dont have it i would strongly recomend it for the sake of a few pounds a month

[bluez]

Two years ago I have a claim paid out for 10k if I hadn't had insurance I might not have been in business, so it pays to have it

Andy

thats why you are called Smart cleaning. good job

[Pj]

commercial work demands it

[ronnie paton]

whilst on my iosh traing i was told youDO NEED LIACBILITY INSURANCE!! and yes i do have 5 mill just incase

[Dean Aspects]

As many of you know in scotland you need a licence and you cannot get one without insurance so all licenced window cleaners in scotland are insured unless of course they just get the licence then cancel the insurance

Dean

[dai]

I won't risk losing everything I own for the sake of a few quid spent on insurance.
In today's litigious society, you would be taking a hell of a chance working without it.
Which reminds me, mine runs out on the 10 th.
Their conning sods, how come, when I started in business it was the 21st November 1993, and over the years they have pinched eleven days cover off me.Dai

[Dave hook]

Im going to get myself employers insurnce who would you guys recomend. Ill be employing after xmas

[jeff1]

Mines due for renewal soon, so I went shopping around for some one else, because if you sit down and spend the time reading the small print most PL isn't worth the paper its written on.

I looked at the insurance that is on the APWC site,  (and you don't have to be a member) I sent off for a quote, getting a reply the next day, I thought it a liitle expensive at first, but as I say, I sat down and read what was covered and was plesantly supprised to see it covered the job your working on (this is rare) it even covered your tools and other benefits as well.

A well looked into insurance and created for the w/c in mind. when mines up, I would sooner pay the extra to have the extra cover.

[windowwashers]

Im going to get myself employers insurnce who would you guys recomend. Ill be employing after xmas

simply business do a search on google and you will find their web address

[Wayne Thomas]

'No win, no fee' solicitors encourage disreputable people to make false claims against anyone at any possible opportunity. Even more reason to have insurance if only for peace of mind as you never know when you may rely on it

[Village Gleam]

Actually Dave I was going to ask you about this. And you can tell me straight. I phoned my broker up today and he told me it was illegal not to have PL insurance. Is this true or not?