[Andrew46]

1.  FWD (optional)
2.  Public liability insurance (compulsory)


Any others that you would recommend???

Thanks

[Wizard]

Were is this compulsory is it law and in which law.
Public liability insurance (compulsory)
I was always under the impression I had it by chose. Help me out here guys.

[paul rulton]

public liability......... not had that in years m8 

[Wizard]

Thanks Hitman I thought so.

[paul rulton]

Thanks Hitman I thought so.

HEHE  sometime ya just gotta go the other way  ....  IF & that is a big IF i break
anything i will pay 4it. simples

[daz1977]

pl is not compulsry for wc,  only employers liability if you employ some one

[actualcleaning]

But according to many window cleaners on here...you just cannot be professional if you dont have PL insurance cover.... :

[Wizard]

The problem is brake something and the insurance is reluctant to pay anyway.

[Wizard]

Professional does not mean insurance it means you will take the risk yourself. I am afraid they have there own interpretation of professional. I class myself as a professional but I will not be told by anyone what my business risks are. I my business call. Insurance in our country is like a tax and is promoted by fare and insurance companies that expect cash for nothing.

[Window Washers]

Were is this compulsory is it law and in which law.
Public liability insurance (compulsory)
I was always under the impression I had it by chose. Help me out here guys.

if you employ, you have to have empolyers liability unless they are close related to you.

[paul rulton]

But according to many window cleaners on here...you just cannot be professional if you dont have PL insurance cover.... :

HAHA.... NEARLY SPAT MY COFFEE OUT!  LOL    PMSL  LMAO
who on earth said that...  

[euan78]

its compulsory in scotland because you cant get a licence without it and the licence is compulsory

[williamx]

Even though having PPL in not needed in England, what you need to work out is "How much will I be paying if there is a claim against me".

If someone say, trips over your equipment and breaks a small bone in their toe, the payout will be about £1500 plus their solicitors costs of another £1000 if you admit liability, if you fight the case and lose, then the bill will rise to £10000 plus.

I have £5 million of PPL and I only pay £149 per year.

The figures speak for themselves.

[rg1]

Even though having PPL in not needed in England, what you need to work out is "How much will I be paying if there is a claim against me".

If someone say, trips over your equipment and breaks a small bone in their toe, the payout will be about £1500 plus their solicitors costs of another £1000 if you admit liability, if you fight the case and lose, then the bill will rise to £10000 plus.

I have £5 million of PPL and I only pay £149 per year.

The figures speak for themselves.

Agreed. Because plc is not legally required, it is very tempting to ignore it as a necessity. But, at the same time, very risky to not have.

[StanA]

I'm astonished that some people are prepared to risk having no PL insurance.  Even if someone doesn't want an all singing all dancing policy that covers knocking a satellite out of orbit with the pole, it's possible to get a 1 million pound cover job (not including item worked on) for under a ton.
Me?  I paid about £400 last time for quite a bit of cover including item worked on.  This included a fair bit of tools insurance too.  The policy also covers for general cleaning which does crop up from time to time.

[Andy Foster]

It is indeed optional to have PL insurance, but if for example someone trips over your hose and decides to claim for everything they can get (damages, loss of earnings, neglegence etc) you could find yourself up to your neck in it.

If they are awarded the compensation and you can't pay you could lose your house as this would be one of the first assests they would look to sell to settle the claim.

It is an unlikely event but not impossible and personally I would rather be safe than sorry.

Also, most large companies would normally insist on having copies of your insurances in order to let you on site.

It is a choice, but for £150 or so you can gtet £5m insurance and save the worry.

I am not that brave as to work without it.

[Andrew46]

Lets start again....

1. Advisable to have Public Liability Insurance.
2. Optional to join FWC

Question.

Are there are other organisations etc that it would be adviseable to join?

Safe contractor ??

Anything else??


Cheers

[rg1]

Lets start again....

1. Advisable to have Public Liability Insurance.
2. Optional to join FWC

Question.

Are there are other organisations etc that it would be adviseable to join?

Safe contractor ??

Anything else??


Cheers

Apart from pl insurance, I wouldn't bother with anything else for the time being. Your money would be better spent on equipment

[Andrew46]

Thanks rg

I thought that was the case but just didn't want to miss out on joining organisation etc that could be ueful.

[s.w.c]

i have some light commercial work and with public liability insurance i wouldn't get the jobs, ie, i do a local school and they check you out, a management company they want the insurance, some private offices,  so it is good to have public liability insurance.