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Klean07

  • Posts: 3244
Public Liability
« on: January 20, 2010, 12:48:46 pm »
I've just had a few quotes for Public Liability but for some reason they don't cover window or glass breakage. If they do then the price trebles. Whats the point of having public liability if they wont cover breakage of glass?
Anyway I did get a good price £95 for £2m pl but with £200 excess. Ok if its a conservortary or shop etc but not if its your normal domestic window pane.
Have you got broken glass cover in your premium? If so whats your access?
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kkleanwindowcleaning.co.uk

Nathanael Jones

  • Posts: 5596
Re: Public Liability
« Reply #1 on: January 20, 2010, 02:36:04 pm »
My policy covers breakages but there's a €750 excess. The real reason for the insurance is for if you damage someone's head from your pole of ladder falling on it,.. that could cost HUGE money in compensation.
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matt

Re: Public Liability
« Reply #2 on: January 20, 2010, 02:43:49 pm »
a pane of glass on a domestic house is going to cost you 100 quid

i have it incase my pole blows over and lands on the new bentley on the drive
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Klean07

  • Posts: 3244
Re: Public Liability
« Reply #3 on: January 20, 2010, 03:56:52 pm »
Good point.
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kkleanwindowcleaning.co.uk

rg1

  • Posts: 1356
Re: Public Liability
« Reply #4 on: January 20, 2010, 04:04:25 pm »
Quote from: matt on January 20, 2010, 02:43:49 pm
a pane of glass on a domestic house is going to cost you 100 quid

i have it incase my pole blows over and lands on the new bentley on the drive

Is that the one parked on your drive or custy ;)
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The pen is mightier than the sword (and a lot easier to write with!)

matt

Re: Public Liability
« Reply #5 on: January 20, 2010, 04:11:44 pm »
Quote from: rg1 on January 20, 2010, 04:04:25 pm
Quote from: matt on January 20, 2010, 02:43:49 pm
a pane of glass on a domestic house is going to cost you 100 quid

i have it incase my pole blows over and lands on the new bentley on the drive

Is that the one parked on your drive or custy ;)

Shhhhhhh you dont know who is watching, i paid cash for it  ;)
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Mike #1

  • Posts: 4668
Re: Public Liability
« Reply #6 on: January 20, 2010, 04:15:59 pm »
www.alexanderswan.com  they cover damage caused by the cleaning process phoned them 2 mins a go some one is going to call be back and discuss my needs
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JRDEasiReach

  • Posts: 481
Re: Public Liability
« Reply #7 on: January 20, 2010, 04:16:17 pm »
I got mine for the same reasons as matt, the pain of glass i couldnt give a toss about, its the pole falling or the customer tripping over my hose that i worry about!!
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JRD Easi Reach
'The Ladderless Window Cleaning System'

Klean07

  • Posts: 3244
Re: Public Liability
« Reply #8 on: January 21, 2010, 04:37:54 pm »
Totally agree with you there mate. Though if cleaning a shop front or coloured leaded lights etc then it wud come into its own then.
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kkleanwindowcleaning.co.uk

cleewindows

Re: Public Liability
« Reply #9 on: January 21, 2010, 06:46:54 pm »
Quote from: prowindow on January 20, 2010, 04:15:59 pm
www.alexanderswan.com  they cover damage caused by the cleaning process phoned them 2 mins a go some one is going to call be back and discuss my needs

how did you get on?
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Mike #1

  • Posts: 4668
Re: Public Liability
« Reply #10 on: January 21, 2010, 07:13:04 pm »
missed call had to go out will call them tomorrow will keep you posted
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Rcs

Re: Public Liability
« Reply #11 on: January 21, 2010, 07:24:22 pm »
who works without any insurance
just wondering what percentage of you have or have not
and has anyone needed it to cover a big bucks payout or are we paying just in case
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