see the thing is simon they need all this information to giv you a proper quote!!
you cant just say im a window cleaner ok well here is a price wha if your jumping off the side of 18 storey buildings.....my point being the same has van insurance many wont even be covered has they have not informed of there modficaion or in your case what methods are being used and at what height.
Ronnie, let me please clarify what Public Liability Insurance is:
It is insurance to indemnify a person(s) against damage to 3rd parties.
Think of it as 3rd party fire and theft car insurance. You hit another car...the other car gets his car repaired on your insurance. Your car is isn't covered because you've only insured against damage to other peoples cars.
Jumping off the side of 18 storey buildings is clearly suicide and would not be covered by any insurance company ever!
The insurance companies are not really fussed what methods you clean with (wfp or trad), they're not fussed at what height you work at and they're certainly not fussed if you kill yourself, because they're not covering you personally. They have one concern:
You injure somebody as a result of your work, thus the £2.5m cover.
Imagine this. You fall off your ladder and onto Mr jones who is coming out of his front door on the way to work. You break his back and he can never work again. He WAS earning £200k a year and as such sends his 2 kids to private school, has a large mortgage and loans on his 3 cars. He could finance all this because of his £200k salary. BUT, because the window cleaner has left him in a wheelchair for life and unable to work he can't afford all this...he's 35 and has 25 years of work life left.
25 years @ £200k = £5,000,000
And on top of that his lawyer would sue for loss of quality of life and pain and suffering.
At this point if you were only insured for £2.5m you might consider jumping off a 18 storey window
Trust me Axa are not bothered about Simon Knight breaking a pane of glass!