[baxey cleaning services]

dose anyone know a good place to get public liability and at a good price . my one has just ran out . also i was told last year i had insurance to damage to property  being worked on but never . it a must to have this or wot the point can anyone help

[GWCS]

google simply business  ask for cover with glass being worked on if thats what you require but be prepared to pay a lot more for it.

[matt]

what are people paying ? ? ?

mine was renewed and arrived yesterday, i fax'ed it of to numourous offices you need it

whilst reading it closer, the building i am working on isnt covered

[Ste M]

im just in the process of getting my cover, £80 for 1 million and £100 for 2 million, doesnt cover me for property im working on and i think i will only need the 1 million for now, at the end of the day i would have to drop my ladders on one of my customers new Bugatti Veyrons to even worry one little bit about if i have enough cover

[Londoner]

If you read the small print on most of these policies you will find they are a complete waste of money. Don't cover you for this, don't cover you for that. A lot don't cover any damage caused by ladders or working off a ladder! Thats an almost universal clause in these policies.

Forget about asking whoever you talk to whether you are covered for this or that, they are on commission with quotas to meet and probably don't know anyway. Read the small print.

Also the excess is usually about £500 so forget claiming if you break a window or a plant pot.

[Milltown Cleaning]

this small print you speak of, can you get it before you buy? i tried to get as much from simply business but there is very little information provided.

[JRDEasiReach]

Milltown m8, i got mine locally through a broker for under 200 quid for 5 million worth of cover, im covered incase my brush falls off and hits a car, or someone passing by, my pole breaks, someone trips over my hosing etc but not covered for damage to property im working on, but theres very little chance of that happening.  if i was to pay out for all eventualities my insurance would be SKY high as in i wouldnt have it   google peter mcaleer insurance omagh m8 or email me and ill pass on the details on who to speak to, thanks

[dazmond]

ive never had PLI in 15 yrs!if it doesnt cover u for ladder damage etc.whats the point?ive broke a few tiles and plant pots,lights,sky dish once!always fixed or free clean etc.im a sole trader by the way.

[Window Washers]

ive never had PLI in 15 yrs!if it doesnt cover u for ladder damage etc.whats the point?ive broke a few tiles and plant pots,lights,sky dish once!always fixed or free clean etc.im a sole trader by the way.

because it covers the public not you.  by saying that I guess you dont have insurance for yourself either?

if your ladder hit my kid it would take alot more than a free clean, I would take you to the cleaners and make sure you got free advertising

[dazmond]

it wouldnt happen windowashers as i use common sense when im working!no legal requirement for it when not employing anyway

[Nathanael Jones]

ive never had PLI in 15 yrs!if it doesnt cover u for ladder damage etc.whats the point?ive broke a few tiles and plant pots,lights,sky dish once!always fixed or free clean etc.im a sole trader by the way.

it wouldnt happen windowashers as i use common sense when im working!no legal requirement for it when not employing anyway

The 2 seem mutually exclusive to me?!!

Frost insurances in limerick have a great deal for any guys in Ireland. €6.5 million PL cover, including cover for property worked on & no exclusions involving ladders from €640 per annum. Guild members get €50 off.

[George P]

i think p.liabillty ins is a legal reqiuirement regardless of employing or not, employment liabillty is only if you employ, also even if not legal requirement its not too expensive for sole trader and would take a lot of hassle off you should you drop a pole or ladder etc onto anything or any one

[outdoor restore]

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

[Ta-ra]

i think p.liabillty ins is a legal reqiuirement regardless of employing or not, employment liabillty is only if you employ, also even if not legal requirement its not too expensive for sole trader and would take a lot of hassle off you should you drop a pole or ladder etc onto anything or any one

PL is not a legal requirement:

http://www.ashburnham-insurance.co.uk/public-liability-insurance.html

[luther1]

It may not be a legal requirement but nearly all of my commercial jobs have asked to see my policy. No policy,no job. Surely its a no brainer?

[Murdie window cleaning]

It may not be a legal requirement but nearly all of my commercial jobs have asked to see my policy. No policy,no job. Surely its a no brainer?

Commercial work may ask you to have PLI, but for domestic it isn't needed by law. I would recomend having it and if you can get it to include "property being worked on" then at least it gives you piece of mind should an incedent happen.

It can also be used as a good selling point you slip it in to the sales pitch and tell them your fully insured, it makes you look even more profesional.

[Window Washers]

it wouldnt happen windowashers as i use common sense when im working!no legal requirement for it when not employing anyway

Never say never mate that's why accidents are called accidents

I know there is no legal requirement. I do think this should change, you dont seem to care fair enough your not my window cleaner, but would be unfair to others if you could not afford to pay out should something happen.

when a ladder slips or someone knocks into it it will go over it really is that simple if you have done this uninsured for 15 years you seem to be at very high risk now as you have been lucky so far (which is fantastic )

Ian

p.s I do not work for simply business by the way 

[daniel worgan]

A report in the late nineties by the association of british insurers stated that less than 17% of self employed sole traders carried liabilty insurance.Of course times may have changed.
It is not a legal requirement to carry such cover and should be at the discretion of the tradesman,but beware if an incident happens as we have long been in the "claim for anything" culture following in the footsteps of the yanks and aussies.

[dazmond]

my god we are only cleaning windows!unless ur accident prone,employ or clean commercial then i dont think there is any need IMO.like i said 15 yrs window cleaning residential only,a few broken plant pots,sky dish and the odd tile.why pay for something that prob WONT HAPPEN!!

[daniel worgan]

Dazmond you wont get any allegiance from this lot,they will think you terribly unprofessional for not having something they have got,even if legally you and many others are doing nothing wrong at all.
You are not even allowed to join in certain associations without proof of pl cover...whats that about,taking the law into their own hands.
After 15 years without an incident and a whole lot of common sense i would carry on mate if i was you.