Gleaming Insurance

[S.W. Window Cleaning]

Hi,

My public liability insurance is coming up for renewal. Im with gleaming insurance. Are they as good as anybody or is there a better company?

Cheers,

Steve

 

[Dave B]

I am with gleaming as they cover a lot more than others but simply business is a member on here and they do cover for windies too..i will be having a look when mine is due

 

[Simply Business]

Thanks for the mention @daveyboy1 :thumbsup: If you're after any info or help @S\.W\. Window Cleaning just let me know /emoticons/smile.png

 

[Neil]

Not knocking simply business but gleaming insurance are great very cheap cover everything and there customer service is second to none!

Sent from my iPhone using Tapatalk

 

[Jake]

I use simply business, found them decent, if I recommend you Steve, we both get £25 cheque sent to our door!! So let me know if you want to do that!! :thumbsup:

 

[DanielT]

Might've been better to send that as a PM!

 

[Jake]

Maybe - but I've got first dibs now...

He hopes... /emoticons/smile.png

 

[Dave B]

Quick...delete delete lol

 

[Jake]

Lol !!

 

[Simply Business]

Can be done as often as you want @Jake :thumbsup: Refer enough and it could pay for your policy! ;-)

 

[Jake]

Yeah just need to know more window cleaners who need insurance!

 

[Dave B]

Most of em need insurance..just they never bother

 

[Simply Business]

That's interesting, do you find a lot of guys without insurance then @daveyboy1? Obviously coming from a (more than) slightly biased viewpoint, but that seems like a recipe for disaster!

 

[SPCleaning]

I think the important thing to note on window cleaning policies is that some cover you for the property you are working on, and some don't.

 

[Smurf]

@Simply Business It would be good to know if you could do a like for like quote for one million pounds Public Liability Insurance cover as below that includes the identical cover I get with Hiscox (gleaming insurance)

http://www.gleaminginsurance.co.uk/cleaners-insurance-cover.html

Public Liability Insurance

The Cover

The policy will protect you if, as a result of your business, any party brings a claim against you (for which you are legally liable) for:

1. bodily injury or property damage occurring during the period of insurance
   
2. personal injury or denial of access committed during the period of insurance
   

Activities Covered

If you arrange Public Liability Insurance online via the GLEAMING INSURANCE website then your policy will cover all of these activities;

Carpet & Upholstery Cleaning including soft furnishings


Commercial Property Cleaning (interior and exterior) which includes;shops, office, restaurants and other properties occupied by businesses


Conservatory Cleaning


Contract Cleaning


Domestic Property Cleaning (interior and exterior)


End of Tenancy Cleaning (interior and exterior)


Gutter Cleaning


Hard Floor Cleaning


Holiday Home Cleaning (including Caravans)


Kitchen Cleaning


Oven (domestic and catering only) & White Goods Cleaning


Pressure Washing to 248 bar (3,600 psi)


Solar Panel Cleaning


Window Cleaning including Soffits, Fascia and Frames


The maximum height for any of the work undertaken must not exceed 25 metres (82 feet).


Specialist Covers included


This policy provides specialist covers for the cleaning industry including;

• Damage to Property Being Worked Upon - read more
  
• Treatment Risks (for damage caused by cleaning solutions or chemicals)
  
• Loss of Customer's Keys
  
• Failure to Secure a Customer's Premises
  
• Theft by your employees
  

For further details of the cover provided by Hiscox Insurance via ourselves please see the Public Liability Insurance Policy Wording

 

[Dave B]

That is what i have smurf

 

[Smurf]

I had so much hassle in trying to get quotes to cover what services I wanted included from other brokers it was unreal.

 

[Jake]

Simply business - I waa without insurance for 8 years until finally went with you,

Never had a problem - glad I'm covered now though!

I'm sure there are thousands of window cleaners without Insurance - I just don't know any of them - if I did, I'd retire and live off the £25 cheques !:thumbsup:

 

[Simply Business]

Hi @Smurf thanks for the question. I've been checking this with one of our technical specialists to make sure I gave you an entirely correct answer! Like-for-like, unfortunately not! If you're after a policy that's going to cover you for what seems like every possible cleaning job in the world /emoticons/tongue.png we wouldn't be able to match that.

Our policies tend to be slightly more tailored to the individual and their business rather than a blanket cover. We find that a lot of guys will certainly do multiple trades/activities but rarely that many /emoticons/smile.png

Sorry I couldn't be more help! Do you get involved in most of those types of cleaning then? Sounds very busy! /emoticons/smile.png

Haha precisely @Jake! 99/100 times you won't ever need your insurance, but it's that one time that can make it worthwhile /emoticons/smile.png

 

[Smurf]

Thanks for your honest answer as was the answer quite frankly I was expecting. Funny enough simply business I found was the most painful experience and a total waste of my time trying to get the cover I wanted....Others that I tried were not much better.

I don't find it unreasonable to have the correct cover in place so I'm insured properly for the services that I offer but obviously some insurance brokers do.

 

[Simply Business]

No problem, and sorry to hear it @Smurf - really do apologise for the bad experience. Absolutely, and it's vital that you do exactly that! You need to be covered for the entirety of your services.

Can you remember what activity/activities it was that was a sticky point? Would be interesting to feedback to our product team /emoticons/smile.png