Public liability

[Stayclearwindowcleaning]

Hi can any 1 help.what would be a far Price for public liability sole trader. And can u recommend anyone thanks

 

[Extremecleansussex]

I used the business octopus and paid less than £70 for £1 million cover.

Comparison sites will give you a good idea how much to pay.

Sent from my iPhone using Tapatalk

 

[Stayclearwindowcleaning]

I used the business octopus and paid less than £70 for £1 million cover.Comparison sites will give you a good idea how much to pay.

Thanks for the replay I got a "of £175 for 1 ml. Was not sure if that was the going Price. Was that fully insured

 

[Jake]

Do it through simply business, should be about £50, of you mention me you'll get £15 off and I'll also get £15 /emoticons/biggrin.png

That's what i did with a fellow window cleaner friend... Win win

@Simply Business

 

[Stayclearwindowcleaning]

Will have a look now thanks

 

[Simply Business]

Do it through simply business, should be about £50, of you mention me you'll get £15 off and I'll also get £15 /emoticons/biggrin.png
That's what i did with a fellow window cleaner friend... Win win

@Stayclearwindowcleaming, feel free to send me a private message if you'd like any more info/help etc. You can get some public liability quotes here if you'd rather have a browse in your own time /emoticons/smile.png

 

[Green Pro Clean Ltd]

CAUTION ON WHOM YOU INSURE WITH!!

95% of all Liability policies DO NOT COVER the actual item you are working on.

Example, you are up the ladder, you drop you big brass squeegee and it damages the car on the drive below - THAT IS USUALLY COVERED.

HOWEVER - You are working on a window and put a huge scratch right across it - NOT COVERED

A lot of insures as I stated previously DO NOT COVER THE ITEM YOU ARE ACTUALLY CLEANING.

I'm sure Simply will be happy to tell us his companies policy on that matter.

/emoticons/smile.png

 

[Simply Business]

Thanks for the mention @Green Pro Clean Ltd.

'Items worked upon' cover isn't something that we offer as standard on all of our policies.

However, it's also worth noting that most 'items worked upon' policies have higher than standard excesses, so much of the damage you hypothetically caused - like the example you used of scratching the glass - you may still end up paying for due to the high excess.

What it also doesn't cover in many instances is defective workmanship. I.e. you use the wrong type of equipment, scratch the glass... this is the sort of thing that may not be covered.

 

[Martin Holden]

As we are specialists to the cleaning industry, our policy includes FULL, Comprehensive cover - so with the Gleaming Insurance policy with Hiscox you are covered for

• Damage to Property Worked Upon (up to the full limit of indemnity) - anything you damage whilst cleaning it.
  
• Treatment Risks (damage caused by chemicals/cleaning solutions etc, again up to the full limit)
  
• Loss of Customers Keys
  

Our excess for property damage does not change - it is £250 for all property damage incidents.

Our premiums are higher than most, but as you can see by this thread, there is a clear distinction in what we offer - we don't promote ourselves on price or being the cheapest, we promote ourselves on having the very best cover for cleaning contractors in the UK - cover that when you need it will respond and protect you.

Please read ALL the quotations you receive and ALL your policy wordings on those quotations - drop me a PM if you would like to know more.

 

[TolishAPurd]

Just my opinion, but insurance is just there for me if the SHTF. I.e. If I drop my ladder on a porsche, or even worse I hurt someone. In either of those scenarios £250 excess will be a drop in the ocean to what I could be paying. For small issues like cracking a window, breaking some roof tiles etc I will either just fix myself, or pay to have fixed without putting a black mark against my name by using the insurance.

 

[Simply Business]

Hey @TolishAPurd, thanks for the input & I think that's probably quite a common stance.

Indeed, and it's your public liability insurance that would cover you should you drop your ladder on a porsche, hurt someone etc, and like you say, these do tend to be the larger claims.

As someone who's never been a window cleaner (although I do sometimes think about it listening to some of you guys' success stories!) how likely is it that you'd crack/scratch glass whilst cleaning it? And what is the average price to re-fit or fix a pane of glass? A quick google search indicates that it doesn't actually cost much at all. Any knowledge on this type of thing?

 

[Martin Holden]

The larger claims do happen, but the frequent claims that we see (and we deal with ALL the claims too so we have a day to day knowledge of this) are for scratching and breaking glass ... just yesterday I had a client phone me who had cracked a large pane of glass whilst he was cleaning it - the replacement cost was over £2500 ... so VERY important that you have the right cover in place ...... We see lots of "builders cleans" that lead to claims for multiple panes of glass that have been (or alleged to have been) scratched ... again you are into thousands of pounds.

Ask yourself this question though ... if you were the householder, would you think and expect that your cleaner had the correct insurance in place to cover ALL the damages he might cause on a job in your house ? They do you know, so do not take chances on your policy cover.

As you can see, I am really passionate about this ..... /emoticons/smile.png

 

[Green Pro Clean Ltd]

Hello Martin, not forgotten you, will ping you an email, current cover expires on the 14th of net so as it's paid up I will just let that lapse first then we can get cracking.

 

[TolishAPurd]

Hey @TolishAPurd, thanks for the input & I think that's probably quite a common stance.
Indeed, and it's your public liability insurance that would cover you should you drop your ladder on a porsche, hurt someone etc, and like you say, these do tend to be the larger claims.

As someone who's never been a window cleaner (although I do sometimes think about it listening to some of you guys' success stories!) how likely is it that you'd crack/scratch glass whilst cleaning it? And what is the average price to re-fit or fix a pane of glass? A quick google search indicates that it doesn't actually cost much at all. Any knowledge on this type of thing?

In cambridge there is a lot of single pane glass which is very easy to break, although I never have. This is a lol, pane, as you need to get the right sizes piece and then pin and putty it back in. Glass is not very expensive, its just the messing about that can loose you a day or more. For double glazed units its pretty cheap to just get a company in. The mother in law pinged a stone up from a lawnmower and shattered a large double glazed french door, and the total replacement cost was under £150. Although obviously things can get a lot more expensive when you are dealing with designer/bespoke work. Where people go scratching 1 pane after another, its just down to stupidity most of the time. I absolutely soak the glass I'm working on to avoid scratches. I also clean the bulk of the dirt off before scraping to minimise the chance of grit scratching. In every job I do I aim to minimise liability, its a habit from my handyman work and its kept me safe so far.

 

[Green Pro Clean Ltd]

We all should act the same Tolish however sh** does happen. I have one customer that has a 1930s art deco home, on the front bay alone are 6 panes that are curved through 90 degrees, these are also single panes.

Replacement cost for one of those would be ludicrous.

Also I work on Mosques due to the shape of the windows there is only one company in Liverpool and one in Birmingham that make them. Once again a small fortune to replace.

Going back to my days hanging out in London, off Picadilly some of the shops there in the Royal Arcades with the intricate vintage 'hand sign painted' windows would be an absolute mint to replace.

To me the insurance is a legal requirement and part of the expense of running a business, if I scratch a £100 window and my excess is £200 well obviously I will simply pay out of pocket to replace it.

So what is you minimum excess on your standard liability policy Simply?

 

[Simply Business]

Hi @Green Pro Clean Ltd, it depends which provider you decide to go with, but we have several that are £100 property damage excess and no excess at all on bodily injury. Hope that helps!

 

[Martin Holden]

Hi @Green Pro Clean Ltd, it depends which provider you decide to go with, but we have several that are £100 property damage excess and no excess at all on bodily injury. Hope that helps!

but that would NOT cover you for "damage to property worked upon" ... we know as we have "mystery shopped" ..... so £100 excess for a cover that is not actually provided in most cases ?

 

[Martin Holden]

Hello Martin, not forgotten you, will ping you an email, current cover expires on the 14th of net so as it's paid up I will just let that lapse first then we can get cracking.

No problems at all, I will drop you a line to update you on a couple of points.

 

[Simply Business]

'Property damage' as in a ladder falling on a car etc @Martin Holden. Property damage that is covered by public liability insurance.

 

[Martin Holden]

'Property damage' as in a ladder falling on a car etc @Martin Holden. Property damage that is covered by public liability insurance.

but a typical policy from Simply Business will not cover "damage to property being worked on" which is the same property damage under a public liability section that you speak of ... which is the cover that IS included on ALL our policies.

You really need to make that point specific when cleaners are asking you that, because that is generally the type of claim that they are concerned about.

 

[Green Pro Clean Ltd]

Oooopsss, I started anther war!! :itwasntme: