Public liability

Discussion in 'Managing Your Business' started by GarryW, May 26, 2015.

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  1. GarryW

    GarryW Newcomer
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    Hi all. Visited accountant last friday and i'll be officially self employed again as of the first of june.

    I've just been on one of the insurance comparison sites and was quoted £81.40 with £1,000,000 cover through axa, as i've not had to have insurance for alot of years i thought this seemed abit cheap. Or is there a company you'd recommend.

    Thanks...Garry
     
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  2. Simply Business

    Simply Business Well-Known Member
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    Hi GarryW congrats on making the move back to self employed :thumbsup:

    That quote doesn't sound too out of the ordinary! Give me a shout if you'd like any help/info at all - happy to help :)
     
  3. Smurf

    Smurf Banned
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    I'm insured with gleaming insuruance which are brokers for hiscox
    Here is what they cover as standard
    About The Cover
    The policies we offer are underwritten by Hiscox Insurance Company Ltd and have been specifically designed for businesses in the cleaning industry. The main covers that we offer are Public Liability Insurance and Employers Liability Insurance with the option to add cover for Machinery & Equipment Insurance, Hired or Owned Plant and cover for your business premises.
    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

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

    GarryW Newcomer
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    Thanks for the replies, Gleaming Insurance has been mentioned a couple of times to me so i'll give them a look.
     
  5. DanielT

    DanielT Active Member
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    I'll mention Gleaming once more then!
     
  6. Smurf

    Smurf Banned
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    I went with gleaming as found other brokers a pain in the **** quite frankly to get cover for all the services I offer. Not only that I did not just want basic public liability cover.
     
  7. spanish pete

    spanish pete Active Member
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    Don't bother with Simply Business all there policies don't cover what your working on. As good as a chocolate tea pot.
     
  8. Simply Business

    Simply Business Well-Known Member
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    Hi spanish pete it's not all our policies, we do have some that cover items worked upon for certain trades :) But I must admit I've never heard 'as good as a chocolate tea pot' before - gave me a chuckle :thumbsup:
     
  9. Taxlossloz

    Taxlossloz Grand Master
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    That's cheap but check small print
    I once had that dint cover me to break a window !!
     
  10. GarryW

    GarryW Newcomer
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    Thanks for the offer. I've gone with Gleaming Insurance.
     
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